1, negotiate with the collection. Negotiation is skillful. First of all, you must repeatedly show that you are willing to repay the loan, so that the other party can rest assured that you are not the kind of person who is eager to "be lazy". But it is really unable to repay at present. After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company determines that you are willing to repay, it will give you accommodation time.
When you pay back the money, you must pay it back one by one, and then return it to the next one. If you choose each platform, it will be less, especially for those who borrow from multiple platforms, I am afraid that even interest will not be paid, so you will never be able to pay off your debts.
3. Do a good job of preventing the address book from being exploded. Exploding the address book is indeed a very malicious move, and there is no particularly good way at present. However, if you are worried that the other party will explode the address book, you can give the relatives and friends of the address book a shot in advance: just ignore the pressure exerted by the collector after the deadline. This is to avoid mental injury caused by collectors. If you are indifferent to him, he can't hurt you. After the expiration, it is very important to keep a good attitude. Only in this way can you face the debt crisis with a peaceful mind.
At present, most online lending institutions are not qualified to report overdue records of users to the central bank for credit reporting, so they can only publicize overdue user information. Over time, big data on online lending credit reporting has been formed in the industry. Just search: two white data. Click on the query in this micro-new applet, and you can see a large part of the data of online lending institutions, so the vast majority of online loans should be at big data meetings.
If you are blacklisted, there is a high probability that the online loan will be rejected. You need to know the reasons for your blacklist according to the report. The more online loan application records and institutional inquiries, the more big data, indicating that funds are tight recently, and online loan platforms can easily determine that you have no repayment ability and online loans are rejected.