If it is overdue for three days, there will be a certain overdue fee; It is recommended to repay the arrears as soon as possible. If you don't pay back the money all the time, causing serious overdue, you will face the following consequences: First, you will bear high overdue fees. For overdue fees, different platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue. Second, undertake the fancy collection of the platform. The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions. There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it. Third, facing the crisis of national trust. Now all domestic lending platforms have established a blacklist system, and blacklisted platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, China Credit Platform will also publicize the blacklist through its own WeChat, Weibo and other China network channels, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously. Fourth, the People's Bank of China is tainted. At present, most lending platforms have not been connected to the credit information system of the People's Bank of China, but it has become an inevitable trend to connect to the credit information system of the People's Bank of China. In the future, overdue loans from China Credit Platform will be recorded in the credit information system of China People's Bank like overdue bank loans and credit cards, resulting in credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on. The defendant went to court. If the loan is overdue for a long time or deliberately not repaid, and the amount exceeds 2,000 yuan, it can already constitute a fraud crime and is in danger of being sued by the China Loan Platform. Once the court decides that the loan platform wins the case, the borrower not only has to pay the money to be repaid, but also has to pay both parties' litigation costs and huge fines, and even faces jail.