Micro-loan starts the repayment process, which is to generate a one-time settlement bill by calculating the principal, interest and penalty interest generated when you use micro-loan. And collect it through legal channels.

I suggest you negotiate with customer service as soon as possible, apply for extension or installment payment, and try to show your willingness to repay. You can repay part of it first or apply for interest-free repayment. In short, in order not to affect your personal credit, I suggest you negotiate repayment in time.