Xiaomi Finance said that it will come to the door three months after the deadline. Is it true?/You don't say.

In modern social life, consumption in advance is a very common social phenomenon. Even if the financial capacity is insufficient, people can live in their favorite house in advance through loans. You can choose your favorite apartment and design your favorite style, which will improve the quality of sleep and life. However, one of the disadvantages of early consumption is that people may not be able to repay in time because of various situations, and there will be overdue situations. No matter what the reason, if the agreement with the loan company is violated, the loan company will also take a series of measures against customers' overdue repayment.

Under what circumstances will the loan company come to the door for collection?

When people want to buy a mobile phone, a car or a house, they can choose a credit loan when their financial ability is insufficient and they need to buy it. However, the premise of the loan is that they have a stable income and ensure that they can repay on time every month. The loan company will also be very strict in reviewing the applicant's information to ensure that they can repay the loan on time. However, things are unpredictable, because some customers may not repay on time on the last day of the repayment date. In the first month, the loan company will call the customer to remind him to repay the loan. If it is more than one month, it can be handed over to the collection department, and if it is more than three months, it can be collected at home.

How does the collection department work?

When people apply for loans, they may meet salespeople, credit examiners and customer service personnel. Their personal identity information, home address, work unit and family contact information will be included in the company's pocket. And when they are overdue, they may see the staff of the collection department. The collection department will first contact the applicant by personal phone to urge him to repay. If the urging fails, he will contact his work unit or even his family. If there is still no progress, you may come to collect it.

The purpose of the company's door-to-door collection is only to ask customers to repay, and repayment is the applicant's obligation. If the repayment is delayed for various reasons, you should try to communicate with the company, so as to solve the contradiction between them. If you refuse to repay, it will not only affect your personal credit, but also be blacklisted.