China Post's consumer finance has reached loans overdue. You can call China Post's consumer finance customer service hotline on your own initiative, explain the reasons for overdue, and negotiate to apply for repayment. After receiving the application, the customer service will give feedback to the credit specialist, who will review the user. After approval, both parties agree on the repayment amount and repayment period.

If negotiation fails, the user needs to make repayment according to the original repayment plan. If you don't repay according to the repayment plan, China Post Consumer Finance will regard the user as overdue. If it is overdue, it will affect your credit information and big data, leading to the rejection of car loans and mortgages in the future. Online lending big data leaves a credit stain, and applying for a loan is easily rejected. This aspect is more serious. You can get the online loan big data report from Xiaoqi Credit Information, which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist. If your big data has been hacked, it is recommended not to retry the loan recently.