Can Huimin Loan be refused to visit if it is overdue for 120 days?

Huimin Loan cannot be refused to be visited if it is overdue for 120 days. The repayment grace period of Huimin Loan is 3 days. If the repayment exceeds the grace period, Huimin Loan will upload the overdue record to the personal credit report. Within 30 days of overdue Huimin Loan, the customer service department of the credit card center will call or text message to urge the repayment. , within 30 days and within 90 days, the collection department will call, text, and email multiple times to urge the debt to be returned. If Huimin Loan is overdue for 120 days, you will be prosecuted. I have been coordinating with the Bank of Communications Huimin Loan for one year, so why do I still call every day?

The reason why I still call after coordinating is because the callers are all agencies and they don’t know that coordination has been done. Only by confirming through customer service phone calls can you know whether coordination has been completed. Many agencies come to collect calls. They will only look at the earliest data and cannot see the data after coordination. How to deal with door-to-door collection

After the credit card is overdue, it is legal and legal for the bank to conduct a door-to-door visit. Debtors need to pay attention and try to cooperate with the bank's work, but they don't need to be too nervous, let alone avoid or ignore it.

The procedures for external bank visits have detailed regulations. If it exceeds the scope of these regulations, it will be a violation. Understanding the bank's procedures can also help debtors deal with their debts.

1. Departure: Collection personnel will not come to the door alone. Each visit is usually attended by two outside visitors, carrying the debtor's credit card debt collection materials, letters of introduction, recording pens, cameras and other equipment.

2. Notification: The bank will call the cardholder to explain the visit time. The person in charge will record the arrival time and notify the foreign visitor of the exact location and visit time at any time.

3. Taking photos and recording: The foreign interviewer takes photos and records of the environment around the target address, and records the entire process.

4. Visit: If the cardholder is found during the visit, the foreign visitor will immediately identify himself and indicate his intention, check the customer's mobile phone, home phone number, contact address and other information, and ask the customer to sign for payment. Notice or lawyer's letter, etc. If the debtor is not present and relatives or family members are present, the interviewer will inquire in detail about the relationship between the debtor and the debtor to understand the financial situation and current situation of the debtor, ask the related person to convey the repayment information and ask the related person to make repayment as appropriate. Ask the relevant person to sign a reminder notice or lawyer's letter on their behalf.

If no one is at home, the interviewer will first call the cardholder’s residential phone number, listen for ringing sounds inside the door, and then call the debtor’s mobile phone to verify the residential address. At the same time, experienced foreign interviewers will conduct interviews and surveys around the debtor's residence, looking for the cardholder's neighbors, property owners, neighborhood committees, village committees, police officers, security guards, etc. to collect relevant information about the cardholder. If the cardholder has a fixed private mailbox, the foreign interviewer will put the legal notice into an envelope, mark "Do not open and read unless you are the person" and put it into the borrower's mailbox. If an online loan is overdue, will debt collection really come to your door? How to deal with it?

1. Positive answer

Whether an online loan will be collected if it is overdue depends on a detailed analysis of the specific situation.

2. Specific analysis

1. If the payment is just overdue, the payment will generally not be made directly to the customer's door. The reminder will mainly be sent through text messages and phone calls.

If the borrower pays off the debt in time after receiving the reminder text message or phone call, then collection will naturally stop.

2. If it is overdue for a long time, and the loan platform does not respond to multiple reminders, some may outsource it to a specialized collection company, and the collection company may Will come to your door.

In particular, everyone needs to pay attention to the fact that online loans are mixed with many irregular loan sharks, and the possibility of loan sharks coming to collect payment is very high, and daily life will inevitably be disturbed.

3. Regular licensed loan platforms generally do not use door-to-door collection methods. However, if the borrower is overdue for too long and the amount owed is relatively high, the borrower cannot be contacted. They may contact their emergency contact, and in order to recover the money, they may even file a lawsuit in court to urge the borrower to repay through legal means.

You can check your online loan big data information at: Xiaoqixin Check. This database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate and comprehensive.

3. Will credit union loans be affected if online loans are not repaid?

If an online loan is not repaid, as long as there is no overdue record and the amount of debt to be repaid is not large, it will not affect the user's subsequent application for a credit union loan.

If there is no overdue record, it means that the user's personal credit report has not been affected. If the debt is not large, it means that the personal debt ratio is not high. In this way, the user can apply for other loan services normally.

After the online loan record has a credit report, users must pay attention to repaying on time. Failure to repay on time will result in overdue records, which will directly affect subsequent loan applications.