Extended data:
1. What are the collection methods of ant flower buds?
1, SMS or email reminder. This is the gentlest collection method, mainly to remind users to repay within one week after the deadline. As long as it is returned in time, it will not have a big impact. For example, a user in the background of the official account of Lightning Turnover WeChat mentioned that he was overdue for 20 days in Ali Ant Flower Garden, and only received a reminder email, and he can continue to use it after repayment.
2. Telephone collection. Telephone collection is the most common collection method. For users with short overdue time and less arrears, the staff will politely call me first to ask about the repayment time. If you can't contact the customer all the time, you will call the user's address book, which is very effective for the face-saving borrower.
For example, in general, users who have not been overdue for a long time and can maintain a good attitude after receiving the call have the opportunity to negotiate the repayment time, such as cash bus, lightning turnover, mobile phone loan and other platforms.
3, door-to-door collection. In the case of fruitless telephone collection, some companies will take a reasonable and legal way to collect money at home, which is a very direct collection method, mainly for users with large loan amount and long-term non-repayment. If it still doesn't work, the platform that is included in the credit information system will include the user's behavior in the credit information record, such as ant lending, atomic lending and other companies.
4. Litigation collection. If the amount owed is large and the borrower has no intention to repay it, the small loan platform can take legal procedures and bring a lawsuit to the court. If the borrower refuses to repay the loan, he will be forced to confiscate his personal property and share his dishonesty on the internet financial information sharing platform, so that the user can not borrow again in the future.
Second, informal platform collection:
1. Calling relatives or friends in the borrower's address book without the borrower's permission, harassing for many times.
2. Intimidate or threaten the borrower or relatives and friends in the address book by means of WeChat or SMS;
3. The borrower calls more than 3 times within one day after the deadline;
4. The borrower's overdue collection is not from 8: 00 am to 9: 00 pm;
5. Disclosure of personal information of the borrower;
6, to the borrower's home or work unit collection caused serious damage to personal reputation;
7. Induce the borrower to borrow from other platforms to repay the loan from this platform;
8. Bombing the borrower's mobile phone number by using illegal software SMS;
9. Pretending to be the staff of state law enforcement agencies to intimidate and violently collect borrowers and other illegal acts.