If the user's credit information is overdue, it is impossible for the bank to ask the user to be a guarantor. A guarantor must have a good personal credit record and have a stable job with sufficient economic ability to be recognized as a guarantor by the bank.
Because the bank wants to avoid the loan risk through the guarantor, in case the debtor does not pay back the money, the guarantor needs to pay back the money.
If there is a problem with the guarantor's credit information, it means that the guarantor may also have overdue repayment, thus failing to achieve the purpose of avoiding risks.
If the borrower's credit information is overdue and he can't get a loan from the bank, then he can find a person with good personal credit and sufficient repayment ability to guarantee that he can get a bank loan.
As long as the guarantor can get the approval of the bank, he can also apply for a secured loan in the bank.
In short, when using the loan, you must repay the loan on time and maintain your personal credit information, which is the key to obtaining the loan continuously and stably.
If the online loan is overdue, you can get a big data report in Xiaoqi Credit Information, find out your overdue records, and classify your online loans, formal and informal, with credit information and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform to give priority to formal credit reporting and reduce the impact on yourself.
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What should I do if the online loan has been overdue and has been collecting calls?
After the Internet loans overdue, if the collection phone keeps calling, you should pay off the debt as soon as possible. As long as the arrears are paid off, the loan platform will naturally not collect them again.
Be careful not to evade repayment directly, otherwise the loan platform will not respond to multiple dunning calls. If the amount owed is not low, it may be collected at home later, and some may even bring a lawsuit to the court.
If you can't pay off the debt for the time being, pay it back as much as possible. If you don't have enough money, you can also try to borrow money from your family and friends to raise money to pay off your debts.
As for the rest that can't be repaid, you can try to contact the customer service of the loan platform to negotiate and put forward an application for extending the repayment period and repaying the arrears in installments.
The loan platform should be considered as appropriate according to the proposed scheme. If one negotiation fails, it can also modify the repayment plan and try to discuss it many times.
If the interest charged by the platform is too high to repay, you can go and see if it meets the standards of usury. If so, you can report to the local CBRC or China Internet Finance Association, and there is no need to repay the fees beyond the reasonable range.