1, SMS collection

Mainly for users who owe money for a short time.

2. Telephone collection

Mainly for users who owe more than 30 days.

3. Family collection

Mainly for users who owe more than a quarter.

4. Court prosecution

Mainly for users who owe more than 1 year and the amount is huge.

5. Outsourcing collection

Generally, there will be agency risks, and discounts will be entrusted to law firms or collection companies.

So, how can we remedy it?

1, you'd better continue to use this card (otherwise it will immediately arouse the bank's vigilance).

2. Never run away.

If you run away after a long time, it will be considered by the court as a malicious evasion of debt.

3. If you can't repay, you should explain it in time.

Apply for a few days' extension, apply for bill installment, and apply for the minimum repayment amount.

4. Repay in full as far as possible, and provide explanations.

If you forget to pay back due to negligence, you must pay back in full as soon as possible, preferably in full, because after paying back in full, you can call the bank to explain that it is not malicious arrears, so as to eliminate overdue records.