After a small amount of loans overdue, it will not be collected at the domicile. After a small amount of loans overdue, the collection personnel will not go to the household registration to collect debts, because door-to-door collection is a violent collection and an illegal act; However, after the credit card is overdue, the collection company entrusted by the bank will go to the household registration to collect it. Micro-loans adopt the official invitation system, and the first batch of users are white list users randomly selected from users who meet the credit conditions; With the promotion of products, we can improve the approval rate by improving personal credit and increasing WeChat payment records, so as to quickly open micro-loans; The total amount of personal loans provided by microfinance is between 500 yuan and 200,000 yuan, and the maximum single amount is 40,000 yuan; Its daily interest rate is 0.05% and annualized interest rate is 18.25%. This interest rate is relatively high, and users need to fully consider their repayment ability when applying for loans.