Isn't it good to appreciate the expired flowers?

First, many borrowers with overdue online loans are also anxious about the brutality and violent harassment of online loan collectors, and even normal life cannot be carried out step by step. Now, as long as online loans and collection are mentioned, most people think of keywords such as violence, nausea, abuse, threats and address book explosion. As long as the overdue is more than three days, it will be collected by the platform. If the overdue period is less than one month, the platform will ask the user to repay by calling or texting;

Second, loans or credit cards may not affect the personal credit information system, and may not be prosecuted after collection. If the circumstances are serious, it may constitute a crime of fraud. It is recommended that you actively repay the loan to prevent bad risks. Third, SMS reminder. The cardholder shall be promptly reminded of the overdraft amount and repayment date that is about to expire. Collection of letters. It means that banks regularly send reminders every month to remind customers to pay overdue debts in time, which has a warning function for later users.

Fourth, telephone collection. Face to face collection. Face-to-face collection has the characteristics of high cost and high efficiency, and is suitable for debtors with large debts.

Verb (abbreviation for verb) judicial collection. Judicial collection refers to taking legal procedures to collect debts from debtors who refuse to pay for long-term malicious overdrafts. Collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months. Generally, they are reminded by bank customer service or called by ITU or offices of various business outlets to urge them to pay overdue funds.

6. Entrusted collection mainly refers to that after the internal collection fails, the credit card center entrusts some companies (some of which are law firms) specializing in the collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount.

7. Non-repayment will affect personal credit information. If the financial institution that lends money is formal, the overdue record of the user will be uploaded to the credit information; If the user fails to repay the loan on time, there will be additional penalty interest and liquidated damages. However, users need to pay attention to the fact that interest beyond the national standard can be repaid without repayment; For borrowers of informal financial institutions, if the overdue amount is large, they will be harassed by collection calls and text messages. In addition, there will be things like door-to-door collection. Loans or credit cards may not affect the personal credit information system, and may not be prosecuted after collection. If the circumstances are serious, it may constitute a crime of fraud. It is recommended that you actively repay the loan to prevent bad risks.