If the installment music is overdue for more than 3 days, you will call the contact person. However, the specific time of calling is judged according to the overdue amount of the borrower. If the loan amount is small, it is mainly to call the borrower for collection.

If the installment is overdue by 1-2 days, the borrower himself will be contacted. If there is suspicion of malicious breach of contract, then installment music will start bombing the address book for collection. It is suggested to contact installment music or repayment as soon as possible after the deadline, so as to avoid the impact of collection calls on daily life.

Whether it is consumption installment or cash loan, it has the characteristics of "intertemporal". More and more consumers use their future income to undertake current consumption behavior, which promotes the growth of consumer finance industry. There are very firm reasons behind this phenomenon, which can be seen from the contribution rate of consumer expenditure to domestic GDP.

The phenomenon of violent collection caused by consumer credit model has become a bad loan signal in the field of consumer finance. The reporter inquired about black cat complaints on the complaint platform and found that "harassing family members" and "violent collection" accounted for the largest proportion of the total complaints of staged music.