Reply to the most useful sentence of online loan collection

Can you answer the collection and say that you can repay other loans?

You can't.

The most useful sentence to reply to the online loan collection is that I will repay the loan as soon as possible. As long as the user shows the willingness to repay, the collection staff will not collect the loan from the user for a short time.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

How to reply to the dunning information of consumer finance companies?

The correct consumer finance collection SMS is as follows:

Consumer finance XXX, your loan has been seriously overdue, and your account has been judged as a high-risk overdue account by our department. Repeated phone calls can't reach you normally. Not answering the phone doesn't mean you don't need to pay back. Our department will contact your parents, relatives and work units to verify your personal economic situation. In order to avoid damaging your personal reputation, please go to the app to apply for overdue loans before 16 pm at the latest. Unsubscribe back to t

Extended data:

1. What is consumer finance?

1. Consumer finance is a modern financial service model that provides consumer loans to consumers at all levels. Under the current macroeconomic situation in China, it is necessary to introduce relevant management measures in time to adapt to the trend and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. Establishing a professional personal consumption financial system can better serve individual residents.

2. Consumer finance is not a loan platform, but a financial service mode that provides consumer loans to consumers at all levels.

3. Consumer Finance Company is a non-bank financial institution established with the approval of China Banking Insurance Regulatory Commission, which provides loans for the purpose of consumption for individual residents in China. For example, Gitzo Consumer Finance, Instant Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance and Shanxi Merchants Consumer Finance. There are Xiaoman Finance, Suning Finance, Jingdong Finance and so on.

4. Customers can apply for loans from the above-mentioned consumer finance institutions. Generally speaking, as long as the personal credit is good and there is enough repayment ability, the loan can be successfully obtained. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders.

Second, how to deal with the harassment of consumer finance collection SMS?

1. With the introduction of online loan management measures, violent collection has also become the focus of the regulatory authorities. If the collection of online loans seriously affects the physical and mental health of borrowers and violates the rules, then you can collect relevant evidence first and then report it through certain channels.

2. China's laws have the following provisions on private lending. If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. If you have no money at hand, you should also show a good willingness to repay, actively communicate and coordinate on the platform, and make a repayment plan acceptable to everyone. Paying back the money on time is fundamental, so as not to be sued.

Reply to the most useful sentence of online loan collection

The first thing to note is that you need to know what ways to collect money in order to see the tricks. Know yourself and yourself.

Short message collection

This kind of collection is quite polite. It is aimed at people who are overdue for a short time.

Telephone collection

After the deadline, I will also call for a collection, usually by myself. But if you can't reach me, you can call your emergency contact. I also want to remind everyone that it is best not to miss the collection call.

Explosive address book

This is more violent. For those who are overdue for a long time, have a bad attitude or don't answer the phone, the small loan company may choose people who have frequent contacts in your address book to call and send text messages for dunning, or even send a group of your address book to tell everyone that you can't pay back the money.

Family collection

The cost is relatively high, and many small loan companies may say that you will come to dunning if you are overdue. However, small amounts generally do not come to the door unless the amount is large and the overdue time is long.

Send a lawyer's letter and a court summons to you.

Credit cards and online loans are overdue and have been collected.

I have no money now, can you give me a few days' grace?

Whether it is a credit card or an online loan, if you encounter violent collection, you must actively and bravely resist, telephone recording, SMS screenshot. Tell everyone who calls the reminder that you are recording. If there is violence or verbal violence, immediately complain to the corresponding authorities, such as gathering people to complain, black cats to complain, etc.

Precautions for credit cards

When using a credit card, the most taboo is overdue repayment: using a credit card is the most taboo thing. These credit stains have a great influence on mortgage to buy a house's car purchase. From the perspective of risk control, banks are reluctant to lend money to people with credit stains, and they will think that such users will be at risk of overdue or bad debts.

After getting the credit card, you must control your consumption desire. Don't swipe your card willfully. If it can't be repaid by the repayment date, choose installment. In fact, staging will generate high interest, and the vicious circle will lead to more and more debts.