Reason:

The cost of a small loan like yours is high according to law, and he doesn't have the energy. It will take a long time for the prosecution fee and other links. I'll argue with you for these thousands. He will call you again and again to collect money. If not, he will contact your family and your colleagues at home. If not, they will go to court to enforce your assets, but the possibility is very low.

Your loss: Relatively speaking, it is much smaller than that of Bank of loans overdue. It is estimated that you can't get loans in the bank for five years, including mortgage, car loan and credit card.

They belong to a consumer finance company, and your overdue information will not be uploaded to the personal credit information system of the People's Bank of China.

Therefore, it doesn't matter if you don't change it for a short time. Just change it when it expires. If it's a big deal, you won't cooperate with them again!