Weizhong Bank owes 5000 yuan for 75 days and sends a text message saying that it will come to the door! Can you open the door?

Weizhong bank owed 5000 yuan for 75 days, and sent a text message saying that it would come to the door, not to the door. The reason why the other party's collection staff said that they would go to the door to investigate is mainly to put pressure on the borrower in this way, and then urge the borrower to repay as soon as possible. All loans of Weizhong Bank are submitted to personal credit information, and the loan behavior is seriously overdue. In other words, credit records will be seriously affected, because overdue records are very serious credit defaults.

First, Weizhong Bank owed 5,000 yuan and sent a text message for 75 days saying that it would come to the door! Can you open the door?

This truth is actually very simple. For those users whose credit business is overdue, there are indeed some users who have encountered financial difficulties in a short time and have no intention of maliciously overdue. If the user has been overdue for more than 6 months, there will be the possibility of on-site investigation. Regardless of whether the other party has made a door-to-door investigation, first tell the user the basic situation of overdue credit. Users are advised to pay off their debts as soon as possible. There is no need to affect users' personal credit information because of small debts, and it may also violate the law.

Second, users who are overdue for one month will not be investigated at home.

Third, users can actively communicate with each other's staff. If the user really can't pay off the arrears in a short time, and at the same time, the user has a strong willingness to repay, the user can try to actively communicate with the staff of the other party, talk about his actual situation as much as possible, and seek a repayment strategy for negotiating repayment. In any case, users always have to pay back what they owe, and users need to face up to this problem.

To sum up, it is best to avoid malicious overdue, otherwise it will not only cause penalty interest, but also seriously affect the user's personal credit. Many online loan and credit card businesses will be outsourced to third parties, and the collection business will also be outsourced to third-party companies, thus avoiding responsibility. The on-site investigation call received should be a collect call. On-the-spot investigation is just a means of collecting money, and it doesn't actually come to the door.