How to tell whether the collection is on the door?

1, depending on the amount: if it is hundreds or thousands, it is rarely visited. After all, the cost of door-to-door visits is not limited to these.

2, look at the time: most likely to come to the door within a few days after the deadline. After a long time, a lot of information about the borrower has changed, and it is useless to come to the door.

3, look at the company: that kind of informal small platform rarely comes to the door, for one thing, I have a guilty conscience, and for another, there is no perfect collection procedure.

Now credit cards are generally overdue, and the family will not collect them. However, if the cardholder's credit card bill is overdue for more than 3 months, the bank will arrange the collection personnel and the third-party notary office to collect the debt with the cardholder's consent. If the door-to-door collection is still fruitless, the bank can choose to directly sue the cardholder. Once the cardholder is prosecuted, he may be listed as a faithless person.

First of all, there are five main ways to collect money:?

1, SMS collection. Mainly manifested in the early overdue repayment behavior, that is, usually 7 to 15 days overdue. SMS mainly plays a reminder function. ?

2. Telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle. ?

3, door-to-door collection. Mainly for those overdue for more than 90 days, the collection staff will arrange to call the cardholder's residence or work address to collect money. ?

4. The court sued. Mainly for those who are overdue for more than half a year, they will apply to the court to sue the borrower for repayment. ?

5. Outsourcing collection. Mainly for overdue funds exceeding 1 year, the overdue funds will be packaged and discounted to the outsourcing collection company to be responsible for overdue debt collection.

Second, it is suggested to repay the arrears as soon as possible, because overdue fees have already been incurred; At the same time, overdue will affect personal credit information and the next loan. If the overdue period is serious, it will face:

1, bear the high overdue fee. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

2, bear the platform fancy collection. Collection is generally divided into three stages: the first stage, just a few days after the deadline, platform customer service MM quietly and enthusiastically reminds you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will give a serious warning and threaten to face serious consequences if it is overdue; In the third stage, it has been overdue for a long time, and the platform no longer tries to convince the other party and begins to take practical actions. There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms will outsource collection, and special collection companies will carry out collection. The collection company "violent collection" that broke out some time ago, I believe that borrowers are not willing to encounter it.

3. Facing the crisis of national trust. Now the online lending platform has established a blacklist system, and the blacklisted platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, the online lending platform will also publicize the blacklist through its own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, except those who maliciously owe money, ordinary borrowers will not go this far.

4. The credit information of China People's Bank is tainted. At present, most online lending platforms have not been connected to the PBOC credit information system, but it has become an inevitable trend to access the PBOC credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China like bank loans and credit cards that are overdue, resulting in a credit stain. If the previous consequence is only humiliation, the stain of credit information will affect real life, and if you want to buy a house, you can't borrow money, if you want to buy a car, you can't mortgage, and so on.

The defendant went to court. After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute the crime of fraud and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower will not only have to pay the money to be repaid, but also pay the litigation costs and huge fines of both parties, and even face jail time.