Will the emergency contact of lightning loan call?

When the user fails to repay the loan on time, the emergency contact person of the lightning loan association will call. Normally, no. Emergency contacts usually contact when they are in arrears, as long as users maintain good credit. The bank will not contact. "Lightning Loan" is the Chinese translation of P2P (Peer-to-Peer) loan. To put it simply, individuals who have the idea of capital and financial investment lend money to people who need loans through intermediaries.

1. Will China Merchants Bank's lightning loan be audited by phone?

This may not be the case, but it can generally be judged from the loan interest rate after application. At present, the fastest lending time of lightning loan is 15 minutes. If the user receives the approved SMS notification within 5~ 10 minutes after applying for the lightning loan, congratulations to the user. The bank will not call the user, because the system has automatically approved it, so just wait for the loan to arrive. If you don't get the call in time, don't worry.

Second, what is a violent collection?

1. Call in the morning. Many collectors deliberately choose to call borrowers and their families at night, midnight and early morning. This situation is repeated violent collection, and relevant collection records can be kept.

2. Software harassment. At present, all kinds of harassment software emerge one after another in the market. You can set the time, frequency and interval as long as you buy it. And kept calling to harass.

In short, I called and texted more than five times that day. If the borrower and the borrower's family are bombed by telephone and the user is killed, it is violent collection.

3. Address book. The collection personnel obtain the contact information and address of the borrower's family and friends through various channels, and then bomb the phone, hang up when it rings, and make more than a dozen calls a day, which is suspected of violent collection.

To sum up, the key to financial management is to plan and use funds reasonably, so as to maximize the benefits of limited funds. Considering the rate of return according to your own needs and risk tolerance, the scheme suitable for your own needs is the scheme that can achieve the expected purpose and minimize the risk.