1. Anyway, pay off the arrears first, and don't continue to be overdue.
Because the longer the overdue time, the more penalty interest will be generated, and the more serious personal credit damage will be.
2. After paying off the arrears, the borrower can complain about the overcharged penalty interest of the loan platform. After all, it is not your own fault that leads to the failure to repay on time, and you can ask the other party to return the overcharged money.
If the overdue loan is reported by the loan platform to the central bank for credit information (big data), you can also contact to delete it.
3. If the borrower finds that the loan platform deliberately makes him overdue in order to collect more interest fees, he is advised not to borrow from the loan platform in the future. He can apply to cancel the loan account registered on the loan platform, unbind the bank card, and then choose a regular licensed financial institution to borrow money.
And collect relevant evidence to report the loan platform to the local CBRC or China Internet Finance Association.
Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
Extended data:
What should I do if the online loan platform is retired?
Loans owed by online lending platforms should be repaid in accordance with regulations. The platform being retired does not mean that the debt relationship is terminated. Under normal circumstances, the platform will also notify the repayment as agreed. Overdue, but also bear the responsibility for overdue.
Generally speaking, if it is overdue, it also needs to bear the following consequences.
1. Credit information will be affected.
2. The platform will accept it.
3. There will be penalty interest.
4. Affect other loan applications.
5. The occupation is affected by the damage of credit information.
6. It will be blacklisted.
7. Affect children's further education.
8. Unable to enjoy preferential loan policy.
It can be seen that the cost that needs to be borne after the deadline is great. Don't deliberately not pay back the loan platform because it has been retired.
If the related loan APP can't get in, you can contact customer service to consult the repayment method. Of course, you can also consult the relevant departments. Under normal circumstances, formal lending institutions will file with relevant departments.
In short, you must repay the loan you owe in time before the repayment date expires.