Legal analysis: The collection letter is issued for people who have overdue repayment, so there is no doubt that when you get this notice, it means that your personal credit has been damaged by overdue repayment. However, you don't have to tread on thin ice and worry too much, because short-term overdue repayment and few times will not cause obstacles to applying for loans or credit cards in the future. Therefore, after receiving the collection letter, immediate repayment is the top priority. The collection letter is usually issued in the case of unsuccessful telephone collection, which is intended to create tension and urge borrowers to repay immediately. It is a means for banks to revitalize non-performing loans. Of course, it does not rule out that when banks bring a lawsuit to the court as a last resort, it can be used as a strong evidence.

legal basis: article 675 of the civil code of the people's Republic of China, the borrower shall repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 51 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.