Not yet, we can improve it from the following four aspects:

1, don't overdue easily.

If it is a credit report, don't delay it easily, because it will damage your credit. Don't think that it doesn't matter if you don't apply for a loan credit card in the future, which underestimates the influence of personal credit.

After all, in the credit society, personal credit investigation is not only one of the reference factors for the evaluation of credit institutions, but also one of the requirements for major employers to select employees. Once the overdue period affects the credit information, even if the borrower is excellent in other aspects, he may be refused employment because of his poor integrity.

2. Apply for deferred repayment

Some can provide deferred repayment service. If the borrower sees the option of deferred repayment on the repayment page, he can choose the appropriate term according to his own needs. However, deferred repayment can only be handled within the time from the bill to the repayment date, and the handling fee should be charged according to the number of deferred periods and the amount owed.

Whether it can be postponed and how much it costs shall be subject to the provisions of the platform. If it can't be postponed, it means that it can't be handled.

Step 3 ask relatives and friends for help

If you can't pay back the money soon after the deadline, ask your parents for help as soon as possible, whether they give money or help you borrow money, as long as you can get the money. Even if you borrow money, it doesn't matter, at least you don't have to bear too much interest. If you have no money for the time being, you can negotiate to pay it back slowly.

4. Actively negotiate repayment.

If the borrower really has no way to overdue, he should take the initiative to contact the loan platform to negotiate repayment as soon as possible.

First, calculate whether the actual annual interest rate you borrowed exceeds the legal interest rate red line. For example, if it exceeds 24%, it will be less than 24%, and if it exceeds 36%, it cannot be returned directly. If the platform does not agree, the borrower can reverse the loan platform and pay only the interest stipulated by law after the judgment.

If the interest rate is reasonable, the borrower can also apply for partial interest reduction or installment repayment of existing debts. When negotiating, you should be sincere, explain the difficulties you are unable to repay, and provide relevant information to prove it. If the loan platform agrees to re-sign the loan contract and then repay the loan according to the new contract, you must not default for the second time.

If you want to check the online loan data report, you can check the WeChat applet: 200 Data 2, which can check the user's application times, online loan data, online black index score, hit risk warning, information, arbitration case information, dishonesty information and other data. And the queried data is very accurate and comprehensive.

Extended data:

What happens if you don't?

1, personal credit is damaged.

Generally, regular banks or licensed financial institutions are responsible for the operation, and according to regulatory requirements, they should access the credit information system. However, most of them cannot provide grace period service. The borrower must repay the current arrears before 24: 00 on the repayment date. If they are overdue or fail to repay, they will report to the credit information system.

According to the number marked as 17, overdue within 30 days is 1 time, overdue within 60 days is twice, overdue within 90 days is three times, and so on. Once overdue for more than 90 days is recorded as overdue for three times, the borrower is a typical credit black account.

In the credit union, it is difficult for black households to obtain credit information, especially when they need loans or apply for credit cards. Even if they provide guarantees for others, they will fail because their credit information fails. Borrowers must wait five years after paying off their debts before they can completely recover their innocence.

2, affect the work life

If you don't pay it back, the borrower will be collected by various means of the loan platform after the deadline, and will be urged to send and receive text messages and make phone calls every day until it is paid off.

If the borrower doesn't answer the phone or reply to the short message, and thinks that the borrower owes money maliciously, he may go to the borrower's place and work unit. Neighbors and colleagues will know that borrowers have failed to pay their debts. In the long run, borrowers simply can't work and live well.

3. Increase the repayment pressure

Overdue loans are not repaid, not just the principal. You also have to calculate the penalty interest on a daily basis at 15 times the normal loan interest rate, and you also have to pay liquidated damages. The longer the overdue time, the higher the overdue fee.

Some borrowers are overdue because of their poor repayment ability, so their debts are increasing day by day, and the repayment pressure will be greater and the repayment will be more difficult.

4. Become a person who has lost trust.

For borrowers with a large overdue amount and no repayment for more than half a year, the loan platform will also take legal measures against borrowers. Once the lender wins the case, the borrower will not only bear the litigation costs, but also the assets such as houses, cars and bank cards under his name will be frozen.

After being executed, the borrower has the ability to refuse repayment, and the loan platform can apply to include the borrower in the untrustworthy executor. In this way, borrowers will be restricted from high consumption, unable to handle financial and credit business, and may even affect their children's schooling and employment.

Second, what should I do if the online platform loan is still not available?

It is suggested to borrow before returning, otherwise my personal reputation in the whole banking system and where I may use it will be affected, which will have an impact on my future development.

Third, what if you can't get hundreds of thousands of loans on the online platform?

Big trouble! How can I repay the overdue interest? Therefore, no matter how hard you suffer, you have to pay back, and the more you delay, the more serious it is! It is safer to borrow money from banks through formal channels, and interest is not charged.