According to some online loan users feedback, some of the illegal small loans will be overdue on the day of the debtor to carry out fancy collection, not only will be crazy to send text messages and make phone calls, but also exploded the address book, so that their neighboring relatives and friends to know their own online loan owed money situation. These behaviors belong to the "violent collection", we should learn to collect evidence, take up legal weapons to protect their rights.

Nowadays, most of the online lending platforms have already implemented the blacklisting system internally, which is often referred to as the big data system, although most of the online lending platforms on the market have not yet been accessed by the central bank credit, but also have access to online lending big data. If the online loan big data is tainted, for example, there is a record of late or frequent loan applications, then the application for a loan will be easily rejected. So it is recommended that you try a credit check on WeChat - "Flying rain fast check", check your online loan records, and then take the initiative to get in touch with the online lending institutions, the two sides to develop a reasonable repayment plan, and then look for family members to turnover or friends to help, as soon as possible to pay the fees, to eliminate the negative record of overdue.