Credit card overdue 1068 145 sent a message saying that someone came to the door with a name.

If you receive a text message saying that you owe money maliciously, and then call for a payment, I suggest the following:

1. First, go to the Internet personal credit information service platform in official website, and the People's Bank of China Credit Information Center to inquire about personal credit reports, and then go to the third-party data platform to inquire about big data, to confirm whether the overdue debt mentioned in the short message really exists in your name.

If you don't find any arrears under your name, you should be careful that criminals cheat again. In this regard, you can directly pull the black number and ignore the other party.

3. If there are several outstanding loans in your name, no matter what the other party said, try to pay them off in time first. Pay attention to the repayment in the official channel of the lending institution/platform, and don't pay directly through the link provided by SMS, so as to avoid being cheated accidentally and causing personal money losses. If the arrears are not clear for the time being, please pay back those that have been overdue for a long time or are about to be overdue, and the rest can contact the lending institution/platform customer service to negotiate repayment.

If this short message of door-to-door collection is true, you should first take the initiative to contact the collector and ask about your current principal and penalty interest. Then the borrower can negotiate with the collector according to his current income and economic situation, pay back part of the arrears first, and then give it a period of time. After all, the purpose of the collection staff is to recover the arrears, and it takes a lot of time and energy to collect at home, and it also needs to be notarized by a third party. If it is not to the point where there is no way, many collectors are reluctant to come to the door for collection.