M generally means Months, which is the abbreviation of repayment month

Collection m1m2m3 refers to the overdue time, m1 is the customer who is one month overdue, and m2 is two months overdue. If the user is overdue for a long time, the intensity of collection will be different. In addition, if the amount of overdue debt is large and the time is long, you will be sued. After the court ruling, it is impossible for users to think about it.

In order to avoid being unable to repay the loan on time, users must measure their repayment ability when applying for a loan. If the personal income is relatively high, then you can borrow with confidence. If your personal income is not very high, you can reduce the loan amount or give up the loan.

It should be noted that overdue repayments will be uploaded to the credit reporting center. When personal credit becomes bad, it will affect the processing of various loans, and after the debt is repaid, the loan will be repaid. It will be kept in the credit report for 5 years. After 5 years, it will automatically disappear and will not be kept forever.

Users should generally choose formal platforms when borrowing money. It should be noted that when the loan amount is relatively large, it is best for users to go to the bank to apply for a loan, because the loan interest rate given by the bank is low, but the The conditions are relatively high, and it takes more time to process the loan.

Where can I complain about violent collection of credit cards?

In fact, there are many channels for complaining about violent credit card debt collection. Cardholders can directly call the card issuer’s complaint hotline to complain directly to the debt collector, or they can also report and accept bad network and spam information through the China Banking and Insurance Regulatory Commission, Ju Complaint, and 12321. Complain to the center and other channels.

However, no matter which channel you use to complain, only the card issuer can really solve the problem after the complaint. Complaints made through other channels will only feed the problem back to the card issuer, but the bank cannot be ordered to meet the complainant's requirements. , they can only play a regulatory role in it.

In addition, when making a complaint, you should also pay attention to the form of complaint. The form of complaint is also different in different channels. For example, the China Banking Regulatory Commission only accepts real-name written complaints and does not accept oral or anonymous reports; complaints need to be posted online, etc.