It's true. Although many platforms will not choose to sue directly after the user is overdue, it does not mean that they will not do so. This is because the process of prosecution is troublesome, and the effect of collection may not meet expectations, so many platforms basically rely on telephone and SMS collection. /h/ Once the user is overdue for more than 90 days, his repayment attitude is poor, and he often loses contact or does not answer the contact number, then the platform is likely to sue him, and the negative impact of being listed as an executor of dishonesty after prosecution is very serious.

Second, will it be punished?

Generally speaking, the user loans overdue still does not need to be punished. After all, it is a civil case, but it only needs to bear the relevant consequences caused by dishonesty.

However, if there is clear evidence that the user is malicious fraud, such as fraud in the application, subjective decision-making, direct change of contact information after borrowing, loss of contact, etc. If the overdue amount is large and has a great impact, it may be judged as loan fraud and sentenced. /h/ The above is about "Will overdue installment be prosecuted and punished?" Generally speaking, you may be prosecuted after the deadline, and you will be punished once you are defined as fraud. Therefore, users are advised to repay on time and deal with debts as soon as possible after the deadline.