There are generally five main ways for banks to collect money. Short message collection, which is mainly a measure for early overdue repayment, is generally overdue for 7 to 15 days. The purpose of short message collection is mainly to play a reminder role. Telephone collection, mainly refers to the overdue for more than 30 days, more than 1 billing cycle, repayment by telephone collection. Home collection, overdue for more than 90 days, the bank will arrange for the collection staff to call the cardholder's residence or work address for repayment. Through court prosecution and legal procedures, if it is overdue for more than half a year, the bank will apply to the court to sue the cardholder for repayment. Outsourcing collection, the bank will package and discount the funds overdue for more than one year to the outsourcing collection company to collect overdue debts.
Online merchant bank loans will also affect personal credit information. Now the whole network is exchanging needed goods, and all the data can be found. If the online loan is not repaid on time, it will also affect the personal credit report and will also be recorded in the credit report. If it is an online loan, you can also borrow from the bank, provided that the customer's personal credit information is good and there is no overdue record, otherwise it will also affect the approval of bank loans and the bank will not lend. Whether to use online loan products has nothing to do with whether to obtain bank loans, but the loans overdue record in personal credit report is the main reason that affects the approval of bank loans. Relevant surveys show that whether banks lend has nothing to do with whether they use online loan products. Unless there is something wrong with the customer's personal credit report, the customer fails to repay the loan on time and has an overdue record. At present, in the customer's personal credit information, online loans have been included in the scope of loan approval, and will be comprehensively considered with the liabilities of other assets to judge whether to lend.
For example, if a customer fails to repay the loan in time by using JD.COM IOUs, he will report the details of the customer's use of JD.COM IOUs to the central bank's credit information system after notifying the customer himself. In addition, if there are multiple loans in multiple institutions at the same time in the short term, the approval of bank loans will be more cautious. If the bank's credit information is not good, it is not easy to get a loan smoothly. However, remedial measures can also be used to improve the chances of loan passing. Personal assets can be mortgaged, such as garage, asset mortgage and other loans will pay more attention to asset value. You can also find some private lending institutions. Relatively speaking, they pay less attention to credit reporting than banks. Or you can find a personal debt restructuring company. They can help you settle all your debts at one time, but it may take several months until your personal credit information is updated.