Online loan application is simple and quick, which can solve the borrower's capital turnover problem well. For this reason, many borrowers will borrow money from online loans when they are in urgent need. And online lending is also a loan. If you borrow money, you must repay it on time. Once overdue, it will have bad consequences. Some people will ask what is the impact of online loans overdue for 30 days? Let's analyze it for everyone.

What is the impact of overdue online loans within 30 days?

The online loan overdue within 30 days is still relatively short, but it is not without influence, especially in these aspects:

1, being collected.

Online loans will be collected after they are overdue. Depending on the overdue time, the collection methods are different. For example, within 30 days, it is usually collected by sending text messages and making phone calls. In addition to collecting the borrower himself, the contacts in the borrower's address book will also be harassed. If it involves soft violence collection, remember to keep the voucher, such as recording when answering the phone, and then complaining about rights protection.

2. Pay penalty interest

After the online loan is overdue, in addition to the normal interest rate, a penalty interest will be charged. The charging standard is mostly to calculate interest on a daily basis at multiples of the normal interest rate. As of the day before the repayment date, if the overdue period is less than one billing day within 30 days, no compound interest will be charged, but the arrears will be paid off as soon as possible, and the interest and penalty interest can be paid less as soon as possible.

3. Credit information is damaged.

Although there is no more than one billing date within 30 days after the online loan is overdue, there is a great chance that it will be reported to the credit. Since the second generation of credit information was launched, the speed of credit information update is relatively fast. The online lending platform should report overdue behavior at T+ 1, and then the credit will be updated in real time. In the borrower's credit report, the overdue record of online loan will be recorded as "1", that is, it is overdue once.

4. It is difficult to handle credit business.

The online loan is overdue within 30 days. Even if there is no overdue debt, the overdue record will not be eliminated until five years after the repayment date. In the meantime, it will be more difficult to handle credit business. It is suggested that it is best to take some time to make a credit inquiry before handling it.

The above is "What is the impact of online lending within 30 days?" I hope it will help everyone.