1, keep the phone smooth at any time to answer

Internet loan overdue must not refuse to answer the phone, otherwise it will be considered by the online lending platform as a malicious overdue, it will increase the frequency of phone calls, and may even take other collection measures, such as door-to-door, prosecution and so on. Unless the other party is in the evening, midnight, early morning and other unusual time to call, the borrower can not answer, because it is considered violent collection behavior.

2, on this call throughout the recording

From connecting the phone to the end of the call, the whole process should be recorded, mainly to protect their rights and interests. Online loan overdue is one thing, but it does not mean that the online lending platform can be taken to the borrower violent collection behavior, such as verbal insults and slander on the phone, such as this case can be recorded as a basis for complaints and rights.

3, confirm the identity of the caller

The phone caller must confirm the identity of the other party, such as if the online lending platform arranged by the collection of personnel, must let the other party to report which is the collection of the company, as well as the work number. If the other party refuses to tell the truth, you can directly hang up the phone. The first thing you need to do is to get a good deal of information about the company's products and services, so that they can be used in the future to help you get the most out of them.

4, the reasons for overdue non-malicious arrears

A lot of borrowers online loan overdue when you get a phone call still do not have enough money for repayment, you can truthfully explain their own situation on the phone, such as hospitalized or unemployed, the family suffered a major change in the repayment of the money, the focus should be to say clearly that they are not intentionally repayment, and to show that they have enough evidence to prove that the non-malicious overdue. The first is to make sure that you have enough evidence to prove that you are not a malicious latecomer.

5, explain the economic situation shows the willingness to repay

Borrowers also explain their own economic situation, such as how much monthly salary, and then put forward their own repayment plan, such as how much income can be used to pay back, how long it takes to pay back, so as to show that they are willing to pay back as well as have the ability to pay back.

6, proposed to let the online lending platform to suspend the collection

Borrowers can also be on the phone to declare that they are currently unable to pay all the arrears, hope that the lending platform can suspend the collection, to give themselves a cushion of time to deal with the arrears. Otherwise, even with all the collections, it won't help if you still don't have the money to repay the loan.

Internet loans are overdue, the collection, you can get a big data report in the "Zhiyi big data", to check their own overdue records, to classify their own online loans, formal and informal, on the creditworthiness of the creditworthiness of the creditworthiness of the. If you want to pay back but do not have enough money, then negotiate with the online lending platform, prioritize the formal credit rating to reduce the impact on you.

Expanded information:

Online lending big data spent how the loan?

Big data "spent" or "black" means that one's online credit big data has gotten worse.

Because many people believe that online loans are not required, so some people borrowed on purpose not to pay, resulting in a serious overdue, and finally became often referred to as "net black"; there are also people who feel that online loan application is very convenient, do not need to hit the contact person, the next payment is also fast, so they keep applying for it, so it is easy to lead to the big data to flower, and then later apply for a new loan, the big data to the big data. The data is changed into flowers, and then apply for a loan, apply for a card, just based on the "multiple borrowing" this article can refuse to apply.

While these are not shown in the credit report, the third-party data platform has recorded these behaviors in the system, and it will be very difficult to apply for online loans in the future.