Do you still need to collect money after the Spring Festival is overdue?

Will Xiaoying’s overdue card loan be collected on the Chinese New Year platform if it’s overdue?

Will Xiaoying’s card loan be collected on the Chinese New Year platform if it’s overdue? According to the query of relevant public information, if the overdue time does not exceed 3 days, Xiaoying Card Loan will collect collection in the form of text messages. If the overdue time is within 3 days to 7 days, Xiaoying Card Loan official will call the lender himself to collect the loan. If the payment is overdue for more than 7 days, the number in the address book will be called for collection. If the payment is overdue for more than one month, Xiaoying Card Loan may entrust an outsourcing company to collect the payment. Usually, this kind of collection is done door-to-door. Will I still receive harassing phone calls during the Chinese New Year if my credit card is overdue?

If my credit card is overdue during the Chinese New Year, the phone calls will be made until the day before the Spring Festival. Collection calls are synchronized with the working hours of collection companies, and collection companies are concentrated in "first- and second-tier cities." During the Chinese New Year, there is generally only about 7 days of Spring Festival holiday according to national statutory holidays. Because it is a labor-intensive industry, you may have to work overtime. Collection work is mainly based on telephone collection, so collection calls will be made until the day before the Spring Festival.

You can apply for installments when facing collection calls

Violent collection is illegal, but legitimate debts are protected by law. If you really have no ability to repay. Take the initiative to contact creditors and clearly inform them of your financial situation and willingness to repay. Communicate and negotiate to see if you can reach your willingness to repay in installments. If you reach your willingness to repay in installments and repay the loan in installments every month, there will be no more collection calls. If the creditor ignores the installment request, judicial proceedings will be initiated. There is no need to avoid the court's judicial procedures at this time. After receiving the court's summons and hearing notice, you can participate in the court hearing normally. Telling your personal situation clearly in court will be beneficial to the judgment of the case. Is it easy to collect installments overdue during the New Year?

Most likely it won’t be possible. After all, door-to-door collections must be paid attention to, and the collectors also have to celebrate the New Year. The Spring Festival is the time when the population flow is the largest. How? Maybe let the collection agents keep wandering around? And due to the impact of the epidemic, getting home is a problem. How to go to the other party's home to collect debts, so generally the other party will only put pressure on the debtor when calling, and basically will not come to collect debts during the Chinese New Year to cause trouble for you.

Another thing you may have forgotten is that the other party is a third-party collector. You owe money to the platform, but you do not owe collection money. The other party is just a worker and has a holiday during the Chinese New Year. Even if This is related to your own commission, but it does not mean that the other party will spend your rest time coming to collect collection. Besides, it is a day like the Spring Festival. Who would use their rest time at home to come to collect collection? There may be accidents. Are you angry? Therefore, the other party really will not come to collect money during the Chinese New Year.

So there is no need for you to worry about it. Instead of worrying about this, you should think about how to make money to repay. After all, being overdue does not mean that you don’t have to repay. You still have to make repayment. If you don’t If you have enough ability to pay off the debt in one go, you can consider negotiating installments with the bank, which can also reduce the debtor's repayment pressure. However, there is a more important point. If you want to negotiate installments after overdue, you must ensure that you can pay in installments in the future. You can have a stable income within a certain period of time

However, if you really want to negotiate installments, it is better to answer the phone call from the bank at the beginning. In the end, you just hope that the debtor can work hard to make money and solve the problem. After all, everything It's all temporary! Not dealing with your debt problems for a long time is not a long-term solution. I hope people with debts can stop their losses in time, plan their debts well, and work hard to make money and return to normal life as soon as possible!