What about loans overdue, the online merchant? Will you collect it at home? Will you be very tired?

Online merchants will not accept loans at home and will not go to jail. However, if the online merchant loans to loans overdue, the borrower should also pay off the debt as soon as possible. After all, online merchant loans are connected to the central bank's credit information system. If it is overdue, it will be reported to the central bank for credit information. If the borrower is overdue, the online merchant can also send a text message or call the borrower to collect the loan.

First, online business loans are online loans, and the collection will be based on online collection.

Online merchant loan is an internet loan from online merchant bank. Borrowers do not need to go to financial institutions for face-to-face signing, but only need to show their various certificates in accordance with the regulations to borrow money on online business loans. Therefore, this kind of online loan will be mainly in the form of online collection. For example, there will be various penalty interests, or the borrower's credit score and quota will be reduced, and the borrower will be asked to freeze the relevant accounts.

The collection of online loans will not come easily, which will affect the company's cost and reputation, and most of them will choose other ways to collect.

Second, the cost of online loan collection is too high, and this method will not be adopted.

Online business loans, such as online loans, need to face many loan customers, and everyone's situation is different. Once overdue, online merchant loans will formulate relevant strategies according to everyone's situation. The amount of online loans will not be too high, and the use of offline collection personnel requires a lot of economic costs, so few online loan companies take this way to collect. Clarify the rights and responsibilities of third-party institutions, and only collect the borrower himself, not the third party unrelated to the loan. This means that third-party agencies can't harass the borrower's family and relatives after coming to the door, and they can't collect them by exploding the address book, otherwise they may be suspected of violent collection.

Third, loans overdue, an online merchant, will affect credit reporting, and needs to repay in time to avoid losses.

Online business loan is a product of Ali and a formal financial institution. If the borrower is overdue, it will affect personal credit, resulting in personal credit damage, shopping and consumption on the online platform will be affected, and personal mortgage and car loan will also be affected. Therefore, after overdue, you should repay as soon as possible to reduce your losses.