The general process of the collection company

1. In the M0 stage, between the final repayment date and the next bill date, there are only robot calls or text messages to remind you.

2. In the M1 stage, between the second statement date and the repayment date, during this period, manual phone reminders are generally gentle, and some banks may call emergency contacts.

3. M2 stage, between the third bill date and the repayment date. During this period, if you have a tough attitude, you will contact relatives and friends, send emails or text messages, and even call your work unit, village committee, and debtor. Phone calls from unrelated people.

4. In the M3 stage, between the 4th billing date and the repayment date, during this period, in addition to phone collection, a lawyer's letter will also be mailed.

5. M4 stage, between the fifth billing day and the repayment date, in addition to phone calls, emails, lawyer letters, and some collections will be collected at your doorstep

6. M4+ stage, the first Between the 6 billing dates and the repayment date, in addition to all the above methods, some will also take civil lawsuits, and even call the police if the credit card amount is relatively large.