Should we pay attention to him in micro-loan debt collection?

First of all, it needs to be clear that micro-loan is a credit product of Weizhong Bank, and micro-loan has been working closely with the central bank's credit information system. In other words, if the user's micro-loan arrears are overdue, it will be recorded in his personal credit report, causing credit damage and affecting the debtor's future economic activities.

Therefore, when the debtor receives a reminder message or phone call for micro-loans, he must respond positively. Don't lose contact, don't run away. Because the longer the debtor escapes, the greater the damage to personal credit information, and it is very likely that he will be sued by small loans and become the executor of dishonesty.

The debtor has to do two things when he receives the dunning news of micro-loan.

1. Positive response

The debtor shall immediately indicate his willingness to repay and his current economic difficulties. After that, you can honestly contact the collection staff, ask if there is a certain grace period, and negotiate repayment. Or you can go to the local village committee or neighborhood committee, issue a "certificate of financial difficulty", and then let the micro-loan negotiate repayment with yourself.

Ask relatives and friends for help

The debtor can also immediately settle the principal and interest of his current bill, explain the situation to his family and friends, and then ask for help. As long as the amount owed is not particularly large, relatives and friends are willing to help. After that, the debtor should immediately repay the small loan bill in one lump sum to avoid the risk of interest rolling.

"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.

"Micro-loan" adopts the user invitation system. At present, invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and the "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.

As an Internet banking loan product launched by Weizhong Bank, "micro-loan" has the following characteristics:

(1) Unsecured and unsecured;

Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit.

(2)7*24 hours service, the fastest 1 minute to complete the loan;

Relying on strict risk control rules and complete technical support system, "micro-loan" provides 7*24 hours online service, with convenient and efficient procedures. All processes are completed on mobile phones, and loans can be made in 40 seconds at the earliest.

(3) There is no handling fee for prepayment;

Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the regular default withholding repayment, "micro-loan" also supports users to settle loans at any time without charging any other additional formalities.