Hourly and whole hour overdue collection methods

Generally, you won't be reminded at home for a month, but you will definitely be reminded by phone. One to two months, phone reminders will be frequent. Call your lover when you turn it off, the company phone number, and the emergency contact you filled in when you borrowed the loan.

Du Xiaoman Finance is a financial brand independently operated by Baidu. Du Xiaoman has a number of financial services, including spending money, managing money and paying. Xiaoman Finance combines them to realize the desire to integrate finance into the daily life of ordinary people, help people realize their yearning for a better life, and enable more people to use financial services conveniently and quickly.

Overdue is a serious behavior, which has a great adverse impact on lenders. The longer overdue, the more serious the consequences. Mainly reflected in two aspects: penalty interest and the impact on personal credit. Penalty interest will be charged for overdue funds, and the charging standard is: from the date of overdue, the penalty interest will be charged at the agreed interest rate 150% every day until it is paid off. And the longer the overdue time, the heavier the penalty interest. The overdue penalty interest will be paid, and the bill will be paid together next month. If you want to repay the overdue penalty interest in this period, you must pay off all the "amount to be repaid" in the next period, otherwise the interest will increase a lot according to the overdue time. On the other hand, personal credit information is affected. If you spend money according to the national regulatory regulations, the overdue records will be left on the credit report. So I suggest you cherish your credit and repay on time.

Impact of overdue:

First, there will be penalty interest: if you have money to spend on regular credit service brands, there will be no violent door-to-door collection. Before the repayment date, the staff who spend money on a small scale will remind you to repay on time by SMS, telephone, etc. If the repayment is overdue, the borrower will be charged a penalty interest, and the specific charging standard is subject to the loan page.

Second, the impact of credit investigation: the overdue records of money will be reported to the credit investigation system, which will affect the credit records of users. The money was spent in strict compliance with the credit management norms of the People's Bank of China, so the money was spent on overdue credit. The overdue record will affect our future life, such as buying a house with a loan.

Third, affect the loan: overdue will affect the user's future loan. If the first time is overdue for a long time, you will not be able to continue borrowing, and you need to pay off all the loans before you can continue trying to borrow. If it is often overdue, the function of borrowing money will be cancelled or the amount will be reduced.

When you have a small amount of money to borrow, you must pay attention to repayment on time to avoid overdue influence on personal credit. Just like a credit card, developing a good repayment habit will help you get a higher loan amount and other credit functions in the future.