Gitzo's loan is two years overdue. In March 2022, I received a phone call from Gitzo saying that there was a reduction activity and sent an APP.

This is a means of collection. You can participate in relief activities and pay back the money quickly.

After the deadline, the company will entrust this order to a special collection company. In practice, Gitzo will call you first to remind you that it will only call you for three months. After the phone is down or overdue for three months, he will entrust this bill to a special collection company, and the collection company will continue to call you with the contract information and call other contacts for dunning. A large amount will also send a reminder letter to your household registration address. Even if you are a collective account now, you can know the location of your previous account through special channels. A collection company with a large scale that happens to have a branch in your home will also collect the money, and then continue to cycle this operation until the repayment.

After a bank customer applies for a loan, due to some reasons, the repayment is overdue, which is also a credit stain. Different banks have different approval standards for personal credit records. With the change of time, consumers' economic situation and repayment situation will also change, and banks will not always pay attention to consumers' early bad credit records. On 20 12 1 1.2, the central bank confirmed that the new version of personal credit report had been launched, and credit cards and loans overdue before 2009 10 were no longer displayed, and overdue records were kept for five years thereafter, which meant that citizens' negative overdue records were no longer accompanied by their lives. If they can repay in full and on time within five years, their credit will be cleared. However, you should pay the loan quickly, lest the staff keep calling you and affect your normal life.