Nowadays, the fast-paced lifestyle, rising prices, increasing employment pressure and life pressure, but in this case, some people are increasingly pursuing a high-quality life. So the online loan was born. There are many online loan companies that cheat you into getting a loan under the slogan of low interest and fast loan. If you don't know the truth behind this, you may be overwhelmed by high interest rates. When it is difficult for your own funds to pay the interest on these online loans, you will face a huge problem of debt collection. Network loans overdue will be faced with various dunning, which will bring a lot of troubles to our life. What should we do in the face of online loan collection?

First, think rationally and calmly

First of all, we are faced with the call charge. Under normal circumstances, the people who urge the payment are employees of some companies. At first, they just urge you to remind you, so you should calmly tell others what is the reason for your arrears, and make sure that you can return it before the number. You can't directly blacken your mobile phone number, or you can't control yourself and the other party, which will make the problem more serious.

Second, if you encounter violence, call the police directly

Of course, many online loan companies are reasonable and legal now, but if you are accidentally targeted by a black company, you enter a black-hearted loan and encounter violent collection. At this time, you can use the power of the police to safeguard your fairness and avoid personal safety injury. You must not blindly tolerate it, let alone sign overdue contracts with them with higher interest rates, which will make your interest roll higher and higher forever until it is still unclear.

Third, timely repayment

In some formal online loan companies, if you are overdue for too long, you will leave a stain on your credit information, and when we apply for credit card and housing loans in the future, it will be affected accordingly. If you haven't repaid for more than several months, the online loan platform will be enforced by the court, and you may receive an invitation letter from the court.

some informal internet companies will not submit the credit report if you are overdue, but the interest is also very high. If they set a ridiculously high interest rate, we can negotiate. If the negotiation fails, we can also make a legal judgment. The court will decide that you will return the principal and the maximum interest stipulated by law. If the interest exceeds the legal provisions, it is invalid.

I also want to remind you that you should never borrow online loans unless you have to. If you really want to borrow online loans, you must first know your personal qualifications. You could have borrowed at a low interest rate and a large amount, but many bad platforms have fooled you, saying that you can only borrow usury because you are a cyber-hacker. Before borrowing, we can pull a credit report from the central bank to clearly understand our cyber-black index and big data credit report, and know ourselves and ourselves. In order to avoid being taken in by a bad platform in the next loan, we will get stuck in the mud

No matter what kind of situation will cause unnecessary troubles to our lives, so we must consume rationally, correctly and moderately.