How to collect overdue loans in JD.COM? COM？

Method 1: SMS or email collection, which is the most gentle collection method, mainly reminds users to repay within one week overdue, as long as it is returned in time, it will not have a big impact.

For example, some users mentioned that they were overdue for 20 days in Ali Ant Flower Garden, and only received a collection email, and they can continue to use it after repayment.

Method 2: Telephone collection

Telephone collection is the most common collection method. For users with short overdue time and less arrears, the staff will politely call me first to ask about the repayment time. If you can't contact the customer all the time, you will call the user's address book, which is very effective for the face-saving borrower.

For example, in general, users who have not been overdue for a long time and can maintain a good attitude after receiving the call have the opportunity to negotiate the repayment time, such as cash bus, lightning turnover, mobile phone loan and other platforms.

Mode 3: On-site collection

In the case of fruitless telephone collection, some companies will take a reasonable and legal way to collect money at home, which is a very direct collection method, mainly for users with large loan amount and long-term non-repayment. If it still doesn't work, the platform that is included in the credit information system will include the user's behavior in the credit information record, such as ant lending, atomic lending and other companies.

Mode 4: Litigation Collection

If the amount owed is large and the borrower has no intention to repay it, the small loan platform can take legal procedures and bring a lawsuit to the court. If the borrower refuses to repay the loan, his personal property will be forcibly confiscated, and the dishonesty will be enjoyed on the Internet financial information sharing platform, making it impossible for users to borrow again in the future.

For example, JD.COM Baitiao handed over large users who refused to repay for a long time to the court; Point melting. Last year, com repeatedly accepted the invalid borrower's lawsuit court;

Method 5: Third Party Collection

Entrusting non-performing loan projects to third-party debt collection companies is also a common way for lending platforms. Compared with the above behavior, this collection method may be accompanied by some violence. I hope everyone will repay in time to avoid this collection.