You letter chopped interest can not be returned. According to the query related data information, will affect the personal credit record (big data). Negotiate with the platform to lower the fee to settle, or consult a lawyer. Reference terms are as follows: the Supreme People's Court "on the trial of private lending cases on the application of law on a number of issues in the provisions of Article 26: the borrower and lender agreed on the interest rate does not exceed 24% per annum, the lender requests the borrower to pay interest in accordance with the agreed rate of interest, the people's court shall be supported. The borrower and lender agree on the interest rate exceeding 36% per annum, and the interest agreement on the exceeding part is invalid. The borrower requests the lender to return the interest paid in excess of 36% per annum, the people's court shall support.