How long does micro-loan overdue explode the address book?

If the micro-loan is overdue for more than 3 months, the collection will be handed over to the outsourcing organization, which is a third-party organization, so there will be violent collection in many cases, so the micro-loan explosion address book is generally overdue for 3 months. Blowing up the address book means that after your debt is overdue, your debt overdue information will be leaked to third parties other than the emergency contacts in your address book and call records, including the mainstream social software WeChat, Tik Tok, quick contacts and so on.

Small loans can not be repaid on time, which will have the following consequences:

1, credit investigation. Uploading the personal credit information system of the central bank is estimated to be the most serious one. As micro-loan is a micro-loan product launched by Weizhong Bank, Weizhong Bank has been connected to the central bank's personal credit information system. If the micro-loan is overdue, Weizhong Bank will upload personal bad records to this system, which will tarnish personal credit information.

2. The penalty interest is too high. The calculation method of small loans overdue interest is: overdue interest = overdue principal (1+50%)* daily interest rate * overdue days. That is, you borrow 1 10,000 yuan a day, and the interest is calculated according to the principal of10.5 million. If it takes a long time, this interest is still very high. I hope users can repay in time.

3. Meet the assembly. If the user fails to repay the loan after borrowing on the micro-loan platform, Weizhong Bank will send you a text message or call to remind you at the first time. At this time, if the borrower still fails to repay the loan, he may send someone to collect it at home. Even contact family or friends.

4. Court prosecution. When Weizhong Bank adopted a series of collection methods, it didn't work, and at this time, the borrower needed to repay a large amount. Weizhong Bank is likely to go to court for prosecution. Once this happens, the court will make a judgment. If the borrower fails to repay the loan under the judgment of the court, it may be included in the blacklist of dishonesty. This is good for our life.

Daily life has a great influence.

Micro-loan is a loan product launched by Weizhong Bank on 20 15, which is mainly promoted through WeChat and QQ. According to different users' scores, the system will grant users a quota ranging from 500 yuan to 300,000 yuan. Therefore, in order to ensure the normal use of small loans, users should remember to repay on time.