Wonderful operation of Jinxiao platform during epidemic prevention: Ping An Pratt & Whitney will collect the loan in advance before the loan expires.

The epidemic has not completely passed, but various enterprises, including consumer financial institutions, have resumed work one after another.

During this period, some gold elimination institutions have done operations that we can't understand.

1. The fun store transferred 1-3 cents to some users.

Recently, a number of users said in the loan exchange forum that their Alipay received a transfer from Ganzhou Kaixin Staging Network Service Co., Ltd.: "If you transfer 2 cents inexplicably, will you deduct my money?" "I turned 3 cents, I don't know why." "Excellent, I received 1 point."

The transfer company is a subsidiary of Fun Store, a well-known mutual gold company, and the legal person is Luo Min, the founder of Fun Store. According to the statistics of users' speeches, the money received by users is between 1 cent and 3 cents.

Some practitioners believe that this move may be because the user lost contact after the deadline, and the installment (the loan product of the fun shop) wants to use Alipay to reconnect. However, most users said that the installment loans of their fun shops have been settled, and many users' accounts have been cancelled.

Previously, there was a precedent that the loan platform voluntarily returned the overcharged fees to users, but the 1-3 cents generally returned by users did not seem to show any difference. Some analysts speculate that this may be to attract users' attention with minimum cost and improve the exposure of high-quality old users.

The customer service of the fun shop replied to the gold rush era: "I just want to give you a red envelope", but the customer service is not sure whether you can receive it. If it is really a red envelope, then the "red envelope" is too small.

Some users contacted Alipay to pay back the money, because they were afraid that the money would make them more in debt and overdue.

2. The application for deferred repayment in Weizhong Bank was successful, and the credit information showed that it was overdue.

During the epidemic prevention period, some platforms introduced deferred repayment policies, and users affected by the epidemic can apply to the organization for deferred repayment.

Weizhong Bank, which holds well-known personal loan products and micro-loans, has also introduced relevant policies. User screenshots show that users who are temporarily unable to repay due to the epidemic can apply for an extension of the repayment period at Weizhong Bank. After the application is approved, the outstanding principal of all loans of the user can be repaid in up to 50 installments, and the outstanding interest will be included in the principal. According to the terms, it is equivalent to the user's remaining outstanding loans being re-phased.

However, many users said that after the successful extension application, their credit records showed overdue.

(Image from: I Love Card Forum)

A number of users said: "I also applied, but this month's extension really went to credit, and the customer service said that it was unified." "Me too. The customer service said that the follow-up will be unified, but I didn't say when. "

Perhaps the hasty introduction of the deferred repayment policy made Weizhong Bank fail to do a good job in credit management in advance. Some users also said that they applied for an extension in Meituan and 360 Finance and were not credited.

Tencent, a shareholder of Weizhong Bank, is known for its "customer experience". It is good to provide extended services for users, but I believe Weizhong Bank, which is positioned as a technology bank, could have done better here. Because some users are worried that other financial institutions will see the overdue records before the credit records have been revised, which will have an impact on their corresponding loans.

3. Ping An Pratt & Whitney began to collect loans before the repayment date.

Recently, Aman (pseudonym), a practitioner in the consumer gold industry, reported to the consumer gold era that his friend had been receiving calls from Ping An Pratt & Whitney staff one week before the repayment date, demanding immediate repayment. "Hatefully, sometimes he will call at 9 pm."

He paraphrased: "I borrowed Ping An Pratt & Whitney's insurance policy treasure, borrowed 36 issues, almost 1 years ago, and it was not overdue before."

"I call my friends about 5 times a day, and they claim that they will always save money and will not repay it in advance (the repayment method of most loans is that borrowers deposit money into their own accounts and financial institutions automatically initiate deductions)." Oman said that as a friend's emergency contact, he will also receive a reminder call. "I get a call every/kloc-0 or 2 days."

As a practitioner, Oman pays special attention to the characteristics of the telephone. He told us: "Ping An Pratt & Whitney uses the telephone numbers of Shanghai, Chongqing, Beijing and Xiamen to make calls. Chongqing will tell the job number, Xiamen will not tell it at all. After I asked Xiamen about the loan, they said that the authority was taken back by Chongqing, just to help Chongqing. Their characteristic is that they don't say the job number and can't find anyone. "

Even in case of collection, Aman's friend decided to repay the loan as planned.

Generally speaking, before the repayment date, the loan platform will remind the borrower by SMS or robot phone, but there will be no collection action before the repayment date.

At present, there are no complete laws and regulations and designated competent departments for the post-loan industry in China, but many people in the post-loan business think that it is unreasonable or even illegal to collect in advance. Some institutional sources told us: "We didn't start collecting money until the fourth day after the user was overdue."

A number of media reports said that recently, many gold consumption institutions faced repayment pressure due to the epidemic, and the overdue rate increased. But is it necessary for Ping An Pratt & Whitney to collect in advance?

This epidemic has made many gold consumption platforms spend an unforgettable winter. The sudden epidemic situation is also a stress test for the gold-consuming platform, and "action deformation" will inevitably occur during the response period.

Overtaking or falling behind in the corner? It tests the ability of the platform to keep running smoothly.