After the online loan is overdue, many people may receive a text message from the collection staff saying that they will come to the door. In fact, the probability of door-to-door collection after the credit card is overdue is greater than the probability of door-to-door collection after the online loan is overdue, and the cost of door-to-door collection is also relatively large, so in most cases it is basically a routine. So why don't most of his platforms choose to collect money at home?

First of all, the loan amount of some big platforms is also relatively high. They won't negotiate with you first, whether you have repayment ability or not. They will choose to sue and take legal channels instead of collecting them at home.

The second way is that there is a certain cost to collect at home. If you send some disgusting news to the address book, it won't be available at this time. In fact, they know in their hearts that you don't have any money now. Even if he collects it at home, they will have their own fare and fuel, including the cost of hiring some people, and then they may not be able to urge money after coming, so they won't do such a thing.

However, credit cards and online loans will be collected if they are overdue. It is best not to overdue easily, which will not only be harassed by collection, but also affect your personal credit information and cause credit stain. It will take five years to "wash away" the debt. If you don't pay it back all the time, the credit stain will follow you all your life.

Small partners who don't know their credit information only need to pass the fast card test. You can check your personal credit score and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist, online loan application record, application platform type, online loan credit limit estimation and other important data information.