1. If you are a novice online lender, you need to prepare a mobile phone from the real-name registration system for at least 6 months. 2. If you are new to online lending, you need to apply for a Taobao/JD.COM. COM account, bound with bank card and with a period of purchase and consumption records. 3. If you are a novice in online lending, you need to prepare a credit card at last. Many people may get stuck here because it is too difficult for some people to apply for credit cards. It doesn't matter. You can leave me a message. I will share some of my experience with you in need. 4. For the novice online lenders, as long as they can achieve the above three points, they can apply for 90% online loans in the market. As for the amount, it depends on your personal credit.
After loans overdue, the loan platform called the relatives of the parties and asked them to pay back the money. This is not an invasion of privacy, but a normal collection. As long as there is no violence or abuse, it is not illegal. Failure to repay the loan will have many effects. Delayed repayment after the loan expires; Money has not been tight; Hiding in Tibet, the applicant will bear certain consequences for these behaviors!
Legal basis: Article 12 of People's Republic of China (PRC) Private Lending Law: If the loan cannot be repaid on schedule, the borrower shall apply to the lender for extension before the loan expires. Whether the extension is decided by the lender. When applying for extension of secured loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledgor shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement.