Is it true that Jiebei visits your door to collect money?

As a officially licensed online loan company, Jiebei has had many door-to-door cases since its launch. However, this does not mean that as long as a user is overdue, Jiebei collectors will definitely come to their door. , which mainly depends on your residential address and the size and length of the overdue amount. If the overdue amount is too large, the possibility of being called upon will naturally be higher. On the other hand, if the overdue amount is only a few thousand dollars, the chance of being called upon will not be very high. Perhaps many friends have received threats to come to their homes for debt collection, but most of these are false. In fact, very few of them actually come to their homes. Even if unfortunately they do come to your door, you will not be subject to violent debt collection. Most of these door-to-door debt collectors are here to understand the situation or negotiate, so you don’t need to worry too much.

1. Overdue methods:

1. A large number of text message reminders

Compared with private loans, Alipay is relatively formal and reliable, and will not Like other websites, the address book will be exploded as soon as it is overdue. Alipay mainly sends text messages to remind borrowers of the overdue amount, overdue time, etc., and does not use excessive means

2. Use third-party collection companies to conduct phone collections

Ant After all, Jiebei is an online loan. If the borrower fails to repay for more than three months, Alipay will take action, such as freezing Huabei, Jiebei and other products, reducing Sesame points, restricting functions, etc., and may also Contact the borrower's contact person and call for collection every day

3. Account closure processing

Under normal circumstances, the borrowing amount is not very high, especially for first-time loans or credit loans. For those with poor records, the amount may only be around a thousand yuan. Even if the borrower fails to repay the loan, Alipay will not sue or come to collect money. The higher possibility is that the account will be closed to punish the borrower

2. The impact of overdue payment

First of all, within one month after the loan is overdue, text message notifications and phone reminders about repayment are naturally inevitable. If the borrower refuses to answer the phone, the collector will contact the borrower's family and friends to convey the message on his behalf. Repayment news. As the overdue time passes, the borrower's Zhima points will not only be reduced, but also the credit report will be affected. Then Huabei and Jiebei will be frozen, and other products under Alibaba will also be banned. If a borrower is overdue for a long time, has a large overdue amount, and continues to maliciously refuse to repay despite Alipay's repeated collections, the borrower will be sued by Alipay. In serious cases, the borrower may even face certain criminal liability.

In short, whether it is a loan, a credit card or other online loans, the consequences of overdue loans are not something we can bear, so this requires us to consider our repayment ability when taking out a loan. Do not exceed the expiry date and do not consume blindly.