Solution:

Repay in installments through credit card statements: If you apply for a credit card and cannot pay the payment for a while, you can try to apply for bill installments and allocate the amount to each Repay every month, which not only reduces the pressure of repayment, but also does not cause credit stains;

Ask relatives and friends to help repay: If the amount is small and within the tolerance of the family, repay You can try to communicate with your family and seek help from your parents. At least there are no high interest fees;

Work actively and work hard to make money: In fact, if you can't repay the loan, in the final analysis, it depends on your repayment ability and the lending platform If the amount does not match, if you are worried that you will be overdue for collection, it is still recommended to work hard and strive to improve your abilities, thereby increasing your income.

If the loan is not repaid, you will face the following troubles:

The bank will take certain collection measures. During the initial phone notification, if the loan is indeed repaid, you can explain yourself to the bank. According to the actual situation, try to apply for an extension. This depends on the regulations of different banks. The extension will be regarded as negative information in the credit report, indicating that there are certain problems with your repayment ability, but it is still better than the overdue situation;

< p>Overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of the individual and the family;

In terms of overdue fees, there will be There are some expenses such as liquidated damages, penalty interest, etc., which need to be collected according to the contract. Different institutions have different loan products, and the liquidated damages or penalty interest charged are different;

For personal credit reporting Records will be affected, and a bad credit record will become a hindrance to future housing loans, car loans, and other loans, as well as credit card applications;

If you are sued to the court for repaying the loan, it will still be unresolved after the court's decision is implemented. If you repay the loan, you can report it to the Supreme People's Court and enter a list of dishonest persons subject to execution. You will be prohibited from traveling by airplane, high-speed rail, etc.