Introduction to telephone collection of overdue loans
Although collection is also a collection method, it is not that the loan platform will collect it as long as the user is overdue, and there is still a buffer time. Under normal circumstances, financial institutions will give a week as a buffer period, during which financial institutions can only collect money by telephone. If the overdue time is more than 7 days and the overdue amount is large, it is likely that you will call to collect it. But this call is only for users, not their relatives. After all, any debt belongs to users' personal debts, and financial institutions have no right to collect and harass users' relatives and friends. Therefore, after the deadline, financial institutions immediately call users for collection.
How long can I negotiate repayment for overdue credit cards?
Credit cards can negotiate repayment at any time, and financial institutions have no clear time requirements. Because banks don't want to see such a result, users usually need to repay according to the requirements of the banking industry. However, if the user does encounter the problem that he can't handle it temporarily and can't repay the loan, the financial institution will handle it as appropriate after receiving the application and make a repayment agreement plan according to the specific situation of the user. Under different conditions, if the credit card default amount exceeds the repayment range of the user, and the user still has repayment intention and good attitude, the financial institution can negotiate with the user in a friendly way and sign a personalized installment repayment agreement, but the repayment period cannot exceed 5 years. This article is mainly about the knowledge points of calling contacts a few days after the deadline, and the content is for reference only.