1. Legal proceedings: In China, whether a judgment involves criminal punishment needs to be determined through legal proceedings. Generally speaking, overdue repayment is usually settled through civil litigation, not criminal litigation.
2. Civil liability: repayment by mobile phone in loans overdue usually leads to disputes between borrowers and lending institutions, which may lead to civil litigation. In judicial proceedings, the court will make a ruling based on relevant evidence, legal provisions and the rights and interests of both parties to determine appropriate civil liability.
3. Criminal punishment: Under normal circumstances, failure to repay online loans is not a criminal offence, so overdue repayment itself will not directly lead to criminal punishment. However, if there are illegal acts such as fraud and misappropriation of other people's property, it may lead to criminal proceedings.
To sum up, mobile phone loans overdue will not directly lead to criminal punishment. However, each case has its own unique circumstances and handling methods. It is recommended that borrowers communicate with lending institutions in time and seek professional legal advice when they encounter overdue situations.