The 2022 micro-loan collection process has the following five steps.

1. Remind the user that loans overdue needs to repay as soon as possible through the third-party payment platform and SMS;

2. If it is overdue for three days, the micro-loan staff will take the initiative to contact the user and urge the user to repay;

3. If the user fails to repay the loan, the overdue record of the user will be uploaded to the personal credit information system;

4 overdue for more than 30 days, the amount of arrears is large, and the collection staff will come to collect the arrears;

5. If it is overdue for three months, micro-loan may no longer urge users to repay. If it is serious, it will go directly to the court for prosecution.

The above is the relevant content of the 2022 micro-loan collection process.

How to repay small loans

1. Automatic repayment: As long as the user ensures that the repayment bank card (i.e. the down payment bank card selected during the loan) has sufficient funds and the card status is normal one day before the service commitment repayment date, the bank will automatically deduct the fee on the repayment date;

2. Repaying the loan in advance: users' economic ability is improved and they have the ability to repay the loan in advance. He can also go to the micro-loan page at any time and repay in advance according to the relevant reminders on the website page.

3. Repay the current arrears manually: If the automatic deduction fails on the repayment date, users need not worry too much. You can repay the loan manually in the official account of micro-loan third party WeChat, pay attention to the official account of micro-loan WeChat, and then repay the current debt manually according to the website page prompts.

Introduction of microfinance

Micro-loan is a kind of micro-loan launched by Weizhong Bank, the first big data technology bank in China, in May 20 15. It is a personal credit cycle trading loan product. Micro-loans adopt the official invitation system, which means that not everyone can borrow money on the website. Only after receiving the invitation notice from the official account can you apply for opening and obtain a certain credit line. In the name of an individual or organization, it is a fraud to open a small loan and increase the credit line after only one transaction. Users need to be careful not to be fooled. This paper mainly focuses on the relevant knowledge points of the micro-loan collection process in 2022, and the content is for reference only.