Possibility 1: Your information was recorded, but due to the human and resource problems of the loan company, you have not been collected for the time being.
The second possibility: Jiufuwanka, a lending institution, has closed down, or the business risk is so great that it is impossible to collect relevant personnel. This account is likely to become a bad debt.
Let me talk about the possibility of 1 first.
At present, there are a lot of small loans in the market, so I don't know what kind of small loans Jiufuwanka is. But in any case, Jiufuwanka already belongs to the category of online lending. At present, these online loans on the market have a very high overdue rate and bad debt rate. It is also for this reason that small and medium-sized online lending companies cannot pursue everyone's arrears. Just because you don't pursue it for a while doesn't mean you won't pursue it all the time. Your case may be delayed.
The second type is also more common.
Around 20 16 years ago, many small loan companies emerged on the internet. Previously, these companies were just offline so-called microfinance organizations. Although they are under the banner of internet companies, they don't have enough scale and ability to collect all debtors. If you have been overdue for a long time, the relevant personnel still haven't collected you, which probably means that this lending institution has closed down.
No matter whether you encounter a collection call or text message, I suggest you actively maintain your personal credit information.
At present, many small loan products on the market have been included in the credit information system. For the borrower himself, it is your responsibility to perform the contract, and you should consider your personal credit risk and legal risk. Generally speaking, the annualized comprehensive interest rate and liquidated damages of microfinance are very high. Never mind the amount on the book, just multiply your principal by 20%, because more than 20% belongs to usury and is not protected by law.
To sum up, I hope my answer can help you, and you can leave me a message if you don't understand.