If the online loan is overdue for more than three months, the platform will have the right to sue, but it will not sue immediately after three months. Because litigation often takes a lot of time and energy, it will not be prosecuted easily. Unless it is really overdue for a long time, the amount owed is also very high, and the platform does not respond to repeated dunning, it may be sued.

Once the lawsuit is filed, if the court fails to repay the loan at that time, the court may enforce it, and may even list the borrower as a faithless person. We also need to pay attention to the fact that overdue will also bring serious adverse effects. Until the arrears are paid off, the penalty interest will continue to be collected, and personal credit will be damaged due to overdue.

Pay attention to personal credit at ordinary times and don't apply for loans blindly. Otherwise, once the big data is spent, I want to apply for a loan, and my comprehensive score is very poor, so I was refused a loan. You can get a big data report in "Zhihu Check" to clearly know your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the queried data is relatively accurate and complete.