1. What if the credit is overdue?

1, borrow money from relatives and friends.

Work out how much you owe, and then borrow some from each of your friends and relatives. Remember not to borrow a large sum of money from a person, it may be impossible. If you borrow less money from more than one person, you will succeed easily. Of course, if parents are able to help better, they can borrow money directly from their parents.

2. Sell assets and realize them.

Although many people don't have enough liquidity, they have many assets in their names, such as cars and houses, which can be sold and realized to repay the loan. Although there are fewer assets, it is good to settle the loan as soon as possible.

3. Negotiate with the loan platform.

If you can't borrow money and have no assets under your name, you need to take the initiative to contact the loan platform to negotiate repayment and see if you can reduce interest rates or repay in installments. Usually, interest will not be calculated after successful negotiation, but it will be a little more difficult. It is best to provide proof that you are really unable to repay.

2. What are the conditions for applying for credit?

1. Have a local permanent residence or permanent residence, be able to provide proof of long-term residence and have full capacity for civil conduct.

2. It has a legal and stable income source and the ability to repay the loan principal and interest on schedule.

3. Personal credit is good, and there is no bad credit record in the personal credit information system of the People's Bank of China, and there is no serious violation of laws and regulations.

It should be noted that, since the opening situation and specific provisions of personal credit business in branches in different regions may be different, if you want to know what conditions are needed to apply for credit in local CCB, you'd better consult the bank staff during working hours.

In addition to applying for loans in banks, people can also apply for loans online. Loans from Ant Financial, JD.COM gold bars from Jingdong Finance and micro-loans from Weizhong Bank can all be applied. These are also formal online lending platforms. Be careful not to apply for loans from those unknown small loan platforms, because you are likely to meet fraudsters and usurers.

After the credit is overdue, you can find a loan platform to negotiate repayment. To apply for credit, you must have a stable job and have the ability to repay. Credit is a new financing channel, which is developing rapidly. When reviewing credit, banks need to grasp the purpose of credit loans, strengthen the loan risk early warning system, strictly grant credit, and sign loan contracts after confirmation.