It might be true. Although it is relatively rare for many banks and institutions to come to your door now, it does not mean that they will not do so. It is still possible to go to the place of residence of the debtor to learn about the situation, including visits accompanied by the village committee. But at the same time, there are regulations for door-to-door evidence collection. For example, collection cannot be carried out through violent means. However, generally overdue credit cards will rarely come to your door to collect evidence. Generally, after the credit card is overdue, the bank will call to collect or upload it to the credit reference center. If the cardholder remains indifferent or refuses to repay, the bank will sue the cardholder. After the court judgment, the cardholder needs to perform repayment in accordance with the judgment.

The main process of online loan collection

1. The early stage of overdue: Within one week after the overdue date, the debtor will receive continuous text messages and phone calls from the online loan platform. If your mobile phone is on, they will keep calling you, but the tone is not that tough. They will persuade you to repay the loan as soon as possible, otherwise it will have a series of adverse effects, such as high overdue fees and personal taxation. Letter and so on.

2. Overdue mid-term: Within 1 to 3 months after the due date, the online loan platform’s collection efforts will increase a lot, and some collection personnel will add the WeChat account of the debtor to directly Use threats or insults to treat debtors, inform relatives and friends in your address book, and make malicious photos to let friends around you know that you are a person who cannot repay debts.

3. The later period of overdue: If the overdue time is more than half a year, there will be two consequences. One is that the online loan platform will not urge the debt, making the debt become a bad debt. Another consequence is that your debt will be packaged to a third-party collection company, and the possibility of door-to-door collection cannot be ruled out.

To sum up, the intensive collection of most online loan platforms will be concentrated within half a year. If it exceeds half a year, it will be a difficult target to overcome. However, the consequences of overdue online loans are not Just violent collection will also cause the borrower's credit to be damaged, and the borrower will be unable to enjoy basic credit services. Furthermore, when the borrower is in urgent need of cash flow again in the future, it will be unable to obtain credit products with good personal credit.