1. Missing the repayment reminder: Sometimes, the borrower may miss the repayment reminder due to negligence or other reasons, which leads to the occurrence of late repayment. In order to avoid this situation, borrowers can check their own credit qualifications and the relevant repayment reminders through third-party big data risk control platforms such as Xiaoqi Xincha or Sesame Credit.

2. Poor capital turnover: In some cases, borrowers may have poor short-term capital turnover for a variety of reasons, and thus are unable to make repayments on time. This may be due to sudden financial difficulties, unstable income and other reasons. In such cases, the borrower can communicate with the lender as early as possible to find a solution.

3. Financial mismanagement: for some people, they may not be able to manage their monthly repayments effectively due to lack of financial management skills or lack of budget planning. In this case, borrowers can learn some financial management skills, develop a reasonable repayment plan, and take appropriate measures to ensure on-time repayment.

Maintaining one's online loan credit is very important. By connecting to third-party big data risk control platforms, such as Xiaoqi Credit Check and Sesame Credit, online loan users can check their own credit qualifications. Xiaoqi Credit Check has established data cooperation with more than 98% of online lending institutions in the market, and the query results are relatively accurate and intuitive, and various types of index data can also be obtained. In most lending platforms, online loan blacklist data is ****enjoyed. Therefore, it is very important to maintain your online loan credit, otherwise you may lose your good credit record.