Jiufuwanka has been overdue for more than half a year. Why not call or text?

Possibility 1: Your information is recorded, but it has not been collected for the time being due to the human and material problems of the loan company itself.

The second possibility: Jiufuwanka, a lending institution, has closed down, or its business risk is so high that it is unable to collect relevant personnel. This account is likely to become a bad debt.

Let me talk about the possibility of 1 first.

At present, there are many small loans on the market, so I didn't delve into what kind of small loans Jiufuwanka is. But in any case, Jiufuwanka already belongs to the category of online lending. At present, the overdue rate and bad debt rate of these online loans on the market are very high. It is also for this reason that small and medium-sized online lending companies are unable to recover everyone's arrears. Just because you don't pursue it for a while doesn't mean you won't pursue it all the time. Your case is likely to be delayed.

The second one is also more common.

Around 20 16, many small loan companies emerged on the internet. Previously, these companies were just offline so-called microfinance institutions. Although it is under the banner of Internet companies, it does not have enough scale and ability to collect all debtors. If you are overdue for a long time, the relevant personnel have not come to collect you, which probably means that this lending institution has closed down.

Whether you encounter a collection call or a text message, I suggest you actively maintain your personal credit information.

At present, many small loan products on the market have been included in the credit information system. For the borrower himself, it is your responsibility to perform the contract, and you should consider your personal credit risk and legal risk. Generally speaking, the annualized comprehensive interest rate and liquidated damages of microfinance are very high. Never mind the amount on the book, just multiply your principal by 20%, because more than 20% belongs to usury and is not protected by law.

To sum up, I hope my answer can help you, and you can leave me a message if you don't understand.