Why is the revolving loan of China Post not overdue for three years?

Debt amount and debt collection strategy.

1, debt amount. When dealing with overdue loans, financial institutions will weigh the amount of arrears, overdue time and other factors. If the amount owed is relatively small, financial institutions will choose to negotiate repayment plans with debtors instead of directly resorting to litigation.

2. Debt collection strategy. Financial institutions have special collection departments to handle overdue loans. Will use telephone, text messages, home visits and other ways to collect debts. In this process, financial institutions will evaluate the debtor's repayment ability and sincerity, and will choose to extend the repayment time appropriately instead of directly suing.