The white strip collection has been threatening me.

1.JD.COM What is the current situation of IOUs and the urgency of collection?

Although the collection has been done for so long, it has also been used in the financial collection of small loans for electronic products in stages, but it is precisely because of this that small loan companies have played themselves to death and poured them out in batches. Although JD.COM, Alipay and other big groups will not easily fall down, and the capital chain is also very strong, it is of little significance to collect money in such a hurry. Of course, Alipay is not so easy to entrust a third party to urge, but JD.COM IOUs are different. After more than half a month, I began to entrust a third party to urge. Perhaps this cooperative relationship has lasted for a long time, and it will be automatically included in the collection company's system when it is overdue.

The first phone call reminded me that my attitude was good. This is also a direct reference to the entrusted third party. According to the normal practice of collection, first tell me that the credit information that affects me is overdue. I know all this, and I will pay it back in June 10. Haha, this beautiful woman began to persuade me to turn around and pay back the money. In fact, these are the steps and order of word collection, and everyone who has read my article knows it. So I didn't buy it, just a few words passed, and this beautiful woman began to feel uncomfortable. Call my daughter-in-law more than 20 days overdue, and then give her a pressure test to urge me. I didn't expect my daughter-in-law to collect it before, and I also talked a lot about the legal consequences of being sued. I sincerely say that there is really nothing I can do. Then I'll wait and see. Maybe it's useless to say it over and over again. On the 3rd1day after the deadline, a girl who was a little impatient began to offend me, saying that the project personnel had been handed over to my residence for home visit investigation and preparation of litigation materials. I said, "Beauty, because your sweet voice tickles people's hearts, and because we are both in the same industry, I told you the truth that the company may delay paying wages for a few days." If you send it to me, you will give it back to me. If you don't have to worry, your grades will definitely be counted in your position. "Beauty's psychological weakness began to appear, and said," You don't have to tell me this. Your case information has been given to you, and the relevant staff here will go to your household registration. " I said, "there is no one in the household registration village. I work in a county law firm. Please send me your summons. " Xiaomei hung up the phone in a hurry.

In fact, as long as it's a finance company, it's really difficult to get the account in the later stage, because the client collected it in the early stage like this JD.COM IOU. If the amount is not large, most of them will be returned unless someone deliberately walks to the end of Article S. However, if the amount is large, or the debtor's debt is high, these customers will fall into an infinite loop because of this collection method similar to that of JD.COM Baizhu entrusting party, and cannot be recovered for a long time. The bad debt rate is also increasing gradually, so it is meaningless to say that the collection is too urgent, which is really not conducive to the return of assets of financial institutions. It is best to collect in good faith or wit in the early stage, but it is all for the immediate data. There is no way to destroy this or that, which has no effect on collectors. As long as the salary can be higher this month, nothing else matters.

Credit information on the internet, so be careful.

Second, JD.COM IOUs and credit cards increase the risk of fund-raising.

Of course, in the long run, premature collection will increase the risk of bad debts, but for immediate benefits and to reduce the non-performing rate of financial institutions, early collection is particularly important, and the repayment rate is relatively high, which can reduce the risk of funds. As for the risk of bad debts, financial institutions may consider that it takes time for debtors to turn around, and they have to pay them back anyway. Even if it is not returned, the loss will not be so great. After all, the pressure to do well in the early stage is not so great, which is extremely beneficial to financial institutions. For a very small number of bad debt customers, credit reporting is definitely not considered or has been hacked. This part of non-performing assets can still protect the interests of financial institutions through legal means, so these are ignored. Regardless of the early, middle and late stage of collection, you can use a set of tricks to deceive and fool wi.

As mentioned above, it doesn't mean much to be overdue for such a short time. It's really useless for you to fool customers with legal collection. It's not that urging is not good, but it's not used casually in this social background, and it doesn't mean that every customer group should use it, because your urging of legal persons (including lawyers, courts, procuratorates, judicial enforcement departments, corporate lawyers, etc.) seems to be "playing a big knife in front of Guan Gong" and feels like a buffoon, so don't use it. For example, it is useless for a customer to call on his sister in JD.COM, his liability for breach of contract, credit card fraud, contract fraud and loan fraud in criminal law. I listened to "Awkward Chat" with my mouth full. Therefore, if you are a collector and don't even have this basic consciousness, the effect of continuing to cast a net can be imagined.

Fourth, it is very important to manage the emotions of the collection, and it is forbidden to provoke the emotions of customers.

No-no, don't deliberately provoke customers' emotions. When you make others uncomfortable, it has no beneficial effect on your work, but more negative effect. If it's serious, stick to it as soon as you complain and walk away. JD.COM, the little sister of the entrusting party, communicated well before, but her attitude behind her was extremely bad. It is estimated that the case can still be filed in advance, but for customers who are overdue for half a year, one year, two years or even longer, such collection is absolutely effective. Why? First of all, provoking customers' emotions, whether it's customers' anger or your own anger, means that your poor communication may lead customers to be unwilling to repay, unable to communicate or delay. No matter who stands in that position, people are mutual after all, unless the customer deliberately provokes. Secondly, the negative emotions of both sides may affect your personal emotions and your own work. Perhaps because of your mood, the customer who originally agreed on the repayment time or was ready to repay again was postponed for your personal reasons. Finally, every day, I am shrouded in various negative emotions, and my work and life are not smooth. It doesn't mean that you can say that others can't say you, and people who owe money can judge others at will. I really don't have that qualification!

It's a little harsh I'm sorry, beauty. Don't speak ill of me when dealing with it.

Related Questions and Answers: Related Questions and Answers: I am a college student, and I paid off my debt in JD.COM in July 2020, about a week overdue. Now my parents want to help me buy a house. Does it matter? It didn't work. The following is my personal super practical dry goods experience! Suggest collection!

It doesn't matter if only one is overdue.

Impact on credit investigation: Credit cards, Alipay loans, WeChat micro loans, JD.COM IOUs, etc. include any products purchased in installments, so it is best not to repay on time or in advance. Once or twice may not have much impact, but it will still be affected. It may be difficult to approve bank loans. The situation of "three tired six companies" is impossible.

The picture comes from the internet.

What do you mean by "three times in a row"? If it is overdue for three times in a row (that is, for three months at a time) or all credit cards are overdue for six times, such banks refuse to handle loan business.

Therefore, if you have overdue records and haven't bought a house, you should protect your credit information from now on and repay it on time. Because the record five years ago has little impact, the loan can also come down, and it may be necessary to buy other supporting management products of the bank.

The picture comes from the internet.

Because I am an absolute credit card family, because Cardo, when I was young, I occasionally forgot to pay back the money, but I always made it up as soon as possible. Check the credit report of this year's loan, saying that there was basically no problem five years ago, and you can basically apply for it if it is not overdue in the later period, but there are still two extensions in five years, and then you bought the bank's wealth management products to lend.

The picture comes from the internet.

Remind everyone that you must protect your credit information and don't lend your credit card to others casually. Otherwise, someone else's overdue is your credit report.

Never do small installments, including buying any products by installments, which will also affect your credit information. Small installments will make banks seriously doubt your strength!

The above are super practical dry goods ~ it is recommended to collect and forward!