1, timely payment. When the money in the lender's repayment card is not enough to deduct the principal of the loan amount, so that the banking system deducts a little money, in case of overdue, the lender should immediately recharge the repayment card, recharge enough money, and then take the initiative to repay. Or call the bank customer service to inform the situation and let the system deduct the money again.

2. Non-malicious overdue. The lender can tell the bank that it is not malicious overdue, and then ask whether it can issue a non-malicious overdue certificate. If the bank agrees, the lender can take the non-malicious overdue certificate to the Credit Information Center of the People's Bank of China to correct the overdue record. However, it should be noted that not all cases can apply for a non-malicious overdue certificate. Generally speaking, loans overdue is caused by force majeure factors such as bankruptcy, serious illness, unemployment and detention, and the lender can apply to the bank for a non-malicious overdue certificate. At present, some banks have a grace period for loans. If the lender can make up the remaining arrears in time within the grace period, there will be no loans overdue record in the credit investigation.

Extended data:

What should I do if I forget the loan interest?

If you forget the loan interest, the user can deposit the interest in the bank card and wait for the system to initiate the deduction again. Or the user makes a manual repayment operation, so long as the repayment amount in this period is equal to the repayment amount, the lending institution will regard the user as a normal repayment. When the system initiates automatic deduction, it is generally necessary to deduct the repayment amount in this period at one time, but the user's bank card only has the loan principal and no loan interest, so the system will deduct the loan principal first, and then initiate automatic deduction again to deduct the loan interest.

Therefore, if the loan interest is forgotten to be repaid, as long as it is repaid on the repayment date or within the grace period, there will be no negative impact. If the user fails to repay in full, and the repayment date or grace period has passed, the lending institution will consider the user to be in breach of contract. The loan must be paid off in full at the time of repayment. Because it is already in the state of installment repayment, there is no option of installment repayment or minimum repayment amount.

The most serious consequence of forgetting to repay the loan interest is loans overdue. Once loans overdue, there will be more negative effects in the future.

How can I return it to loans overdue?

1. Under the free repayment mode, borrowers can repay overdue personal loans in two ways:

(1) When the borrower repays the overdue personal loan on the repayment date agreed in the contract, he can first inquire the loan amount that should be repaid at least on the next repayment date through the call center telephone entrustment system (this amount should be the sum of the overdue loan principal and interest, default interest and minimum repayment amount), that is, the borrower repays the loan according to this amount on the next repayment date, so the loan is not overdue.

(2) If the borrower repays the overdue loan on the repayment date not agreed in the contract, he must go through the relevant formalities at the counter of the loan business department with one original and one copy of his ID card. The borrower first applies to the loan business department and agrees on the repayment date. The agreed repayment date ranges from three working days after the borrower arrives at the loan business department to three working days before the next agreed repayment date. It should be noted that on the repayment date not stipulated in the contract, the borrower can only go to the counter to handle the overdue formalities for early repayment once in the first phase, and the borrower should go to the counter seven working days before the repayment date.

2. Under the equal monthly repayment method or average capital repayment method, the borrower's overdue loan repayment is still deducted by the bank through its repayment account, and the borrower does not need to make an appointment for repayment.

According to the repayment time, it is divided into non-contract repayment date and contract repayment date:

(1) Repayment on non-contractual repayment date: The Center transmits the overdue loan data to the bank one working day before every Wednesday, and requires the bank to deduct the funds deposited in the repayment account by the overdue loan borrower on Wednesday. The borrower of overdue loan agrees on the repayment date in this contract, or the first three working days and the last three working days of the repayment period, and no overdue deduction will be made on the repayment date not agreed in this contract. On New Year's Day, Spring Festival, May Day, Eleventh and other long holidays, in case of Wednesday during the holiday period and the first working day after the holiday, no overdue deduction will be made for the repayment date not agreed in the contract.

(2) Repayment on the repayment date agreed in the contract: If the borrower fails to repay on the repayment date agreed in the contract, the Center will inform the bank of the total overdue amount and the amount payable in the current month one working day before the repayment date agreed in the contract, and the bank will deduct it.

What about loans overdue?

Tell your family about loans overdue first, and work it out with them.

If you are in loans overdue, you must keep a good attitude and deal with it calmly. Loans overdue should take the initiative to communicate with his family and work it out through consultation. Many hands make light work, especially when overdue loans occur, our mentality is not very stable, and some extreme ideas may appear, which will make things worse. Your family will definitely work with you to solve this problem. Loans overdue is not terrible. The key is to find a solution. We need to solve this problem with our family, and there is a great possibility of successfully solving the loans overdue problem.

Second, communicate and negotiate with financial institutions to determine the repayment plan.

When we have some solutions to overdue loans, we should take the initiative to communicate face to face with financial institutions. In the communication with financial institutions, first of all, it is necessary to show that there is no malice towards overdue loans, and to inform financial institutions of the actual situation and gain their understanding. At the same time, we are willing to repay and will not default. Secondly, we should communicate our actual situation and preliminary repayment plan with financial institutions, explain the reasons for our subsequent repayment plan, and try our best to win the support of financial institutions for the plan.

In communication with financial institutions, we can negotiate the overdue interest rate and liquidated damages in loans overdue, so as to minimize our repayment pressure. Finally, after obtaining the financial institution's approval of the scheme, we should sign relevant supplementary agreements with the financial institution, clearly stipulate the subsequent repayment amount, repayment time, liability for breach of contract, etc., so that we and the financial institution can clearly define their respective responsibilities and avoid subsequent disputes.

Third, increase revenue and reduce expenditure, and repay in strict accordance with the repayment plan.

After finalizing the repayment plan with financial institutions, we should raise money quickly. If we want to pay back our debts, we must work hard and earn more income. At the same time, we must try our best to reduce unnecessary expenses and increase our overall income by opening up new sources and reducing expenditure. While increasing income, we must strictly implement the established repayment plan, return the agreed repayment amount within the specified time, and can no longer break our promise to financial institutions.