Wechat will not be blocked. Under normal circumstances, overdue micro-loans will have the following consequences: the credit report records that micro-loans will be collected at meetings. If it is overdue, it will affect personal credit and cause certain resistance to the borrower's future loan application and credit card application. After the micro-loan is overdue, in addition to the normal interest, a high overdue interest will be paid, and a penalty interest of 50% of the agreed interest rate will be charged every day until it is paid off. Default interest for overdue = overdue principal x daily interest rate x50%x overdue days. Among the more reliable brands on the market, in addition to small loans, Xiaoman Finance is also a good choice. The application for money is simple, the loan is fast and the loan is flexible. Users can take the initiative to apply. The interest rate of money is transparent, and the interest rate of big brands is low. The maximum loan amount is 200,000, which can meet the needs of most lenders. In addition to individual consumers, small and micro business owners need to start or operate liquidity, and they can also consider spending money to provide accurate, convenient and efficient financial services for small and micro business owners. Overdue micro-loan will lead to overdue credit records, and it is impossible to apply for micro-loan services in the future. As for the WeChat account freezing, the user's WeChat account will be frozen only if the system detects that the account is risky. After the WeChat account is frozen, users can apply for unfreezing. Of course, the consequences of a small amount of loans overdue are also very serious. Users must settle the arrears as soon as possible, otherwise the adverse effects of overdue records will be amplified.