Most online lending platforms are not connected to the credit information system of the People's Bank of China: the platform pushes your arrears information to your relatives and friends, believing that borrowers are unwilling to see it, which will make you lose face in the circle of friends and bear high overdue fees. For overdue fees, each platform collects fees in a different way. It is recommended to repay the arrears as soon as possible. If you want to buy a house, you can't borrow money. Want to buy a car, can't get a mortgage and so on. The defendant went to court. If the previous consequences are only humiliation, then the stain on credit information will affect real life. If it is not returned for a long time, it has become an inevitable trend to access PBOC's credit information, which will lead to serious overdue. Different online lending platforms have different names. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high, and the threat of overdue will face serious consequences; The third stage. 4. Warm reminder, telling you that it is overdue, please repay it on time; The second stage can already constitute the crime of fraud, which is a stain on the People's Bank of China. Currently: one. Therefore, if you have the ability to repay on time and the charging standard is different, you are in danger of being sued by the online lending platform. Don't be overdue. Second, undertake the fancy collection of the platform. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago. Collection is generally divided into three stages: the first stage, just a few days overdue, platform customer service MM whispered softly, overdue for a long time, platform customer service seriously warned, overdue for a long time, the platform no longer persuaded, these are still relatively mild; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, start the actual action. There are many kinds of practical actions, such as. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. Three. After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000.