(a) collected by the staff. In order to recover the lent funds, financial institutions will send staff to collect money from borrowers. These staff often keep calling the borrower's phone and sending short messages to the borrower's mobile phone, urging the borrower to repay as soon as possible. Individual collection personnel will also send collection messages and make collection calls to relatives and friends of borrowers.

(two) affect their own credit. If the borrower fails to repay after the expiration of the grace period for repayment, the financial institution will report the overdue record to the central bank's credit information system. The borrower's personal credit report will leave a stain, which will affect the borrower's handling of various financial businesses in the future.

(3) may be prosecuted. If the borrower's overdue behavior is very bad, the financial institution can bring a lawsuit to the court. If the borrower loses the case, the financial institution may apply to the court for enforcement. The court will inquire about the property under the borrower's name according to law to pay off the debts, including real estate, cars, deposits, securities and so on.

If there is no executable property in the borrower's name and the borrower refuses to perform the effective judgment of the court, the borrower at this time is often called "Lao Lai". The borrower will be included in the list of people who have lost their trust and will be restricted from high consumption and entry and exit.

(4) may be found guilty. If the borrower has the ability to execute the judgment of the court and refuses to execute it, it can be considered that the borrower refuses to execute the judgment or ruling. If the borrower maliciously overdraws the credit card, it may be considered as credit card fraud.