Newbie loanshark splashes paint on door but hits wall instead
1. Send reminder in time. We do it exactly 30 days each cycle.
2. Deactivation in time
3. Termination for the stubborn one
4. Clear the dispute and difference in expectation
5. They own you the money, so don’t feel bad to get it back
Some customers will sweet talk to you and make you feel that if you are harsh, you won’t get business from them in future. Remember, this is not true. If this is true, you do not want this customers because the moment they don’t pay, it is noise. It become a cost to get YOUR money back.