First of all, online loans generally identify the customer's city according to the customer's household registration address, accurate positioning and personal credit information, while the lender itself may not be in the same place, and may go to school, work or go out in other places. Therefore, it is very rare that online loans actually come to your door (can't be found) after your credit card is overdue.

As the saying goes, it never rains but it pours Even if you do come to your hometown, your parents and family can send the collection away in one sentence, and they can't tell you clearly, or let them go directly to you. If there is harassment or violence, family members can call the police at any time. Now it is a society ruled by law, and the country is carrying out anti-gang activities, so it is very beneficial to call the police.

Can online loan collection really come to the door?

Door-to-door collection is extremely rare. Generally, telephone harassment, address book explosion, disclosure of personal information and P-picture collection are the main methods. Unless you are in the following situations:

1, local credit company. You also borrow money from the local small loan company immediately, so there may be door-to-door collection after the credit card is overdue. After all, people are in the local loan business, so it's easy to go home.

There are subsidiaries all over the country. Generally speaking, they are very large-scale loan companies with branches all over the country, and prepared employees may come to collect money and may come to the door.

3. The loan amount is huge. The credit limit of online loans is generally not too high, ranging from thousands to tens of thousands at most. Compared with enterprises, millions of credit lines are much smaller. Therefore, fully considering the cost, it will generally not come to the door.

Money funds can be redeemed at any time?

The money fund can be redeemed at any time. Money fund is a means of short-term investment and financial management, and it is an open-end fund called quasi-deposit, which can be redeemed at any time. Monetary fund has the characteristics of high safety factor, strong asset liquidity and relatively stable income, which is more suitable for stable investors to invest in projects. It is also a good choice to use natural short-term demand deposit assets or leisure assets that are temporarily useless for monetary fund project investment. The expected return of money funds is not as high as other funds, but it is also higher than ordinary deposits.

What is the actual operation process?

The operation process of money fund redemption varies according to the way of purchasing funds and the types of money funds. If you really bought it from a securities company or financial institution, you can redeem it on the quotation software of that securities company or commercial bank, open the website and click on my fund to realize it as required. If you buy on a third-party trading platform, you need to log in to the third-party trading platform to redeem the fund. The processes of different types of trading platforms are different.

The redemption time of money funds varies according to the types of money funds, some are T+0, some are T+ 1, and some are T+2. For example, Yu Bao Li in Alipay wallet is a kind of money fund, which can be redeemed immediately and then used, that is, T+0 is implemented, which is different from other money funds. However, it is worth noting that everyone must try to avoid holidays when redeeming stock funds. For example, the fund you bought is T+ 1, which has been redeemed on Friday, and it is likely that it will not arrive until next Monday or Tuesday. Generally, the actual redemption operation will be carried out at 3 pm on the investment day.