Now online loans have big data, and other loans are also affected once they are overdue. If it is seriously overdue, it will face: First, it will generate overdue penalty interest; Second, you will encounter collections; Third, overdue records will be reported to the central bank's credit information center. This is no small matter. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

It is not only a high overdue fee, but also a platform fancy collection. Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service will warmly remind, overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, after a long overdue period, the platform will start practical actions. If the platform will push your arrears information to your relatives and friends; The platform will also arrange special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

But these are far less than the stains caused by the People's Bank of China. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on. So everyone should try to repay on time!

First, pay high overdue fees.

If the loan treasure is overdue, it will be penalized first. If the arrears are overdue for more than 3 days, the interest rate will be raised and the interest and penalty will be paid more. Secondly, we have to pay the overdue management fee. The basic overdue management fee is charged for more than 3 days overdue, and the special overdue management fee is charged for more than 30 days overdue.

Second, suffering from various means of collection.

In addition, overdue loans will be collected in various ways. On the first day of overdue, Lending Bao will generally call the borrower for collection; On the twentieth day, a lawyer's letter will be sent to the borrower to file a lawsuit; After more than 30 days, overdue records will be uploaded to the lending platform.

Third, the credit report

If the overdue period is serious, the borrower's bad repayment record will be uploaded to the credit information system, which will affect the purchase of a car and a house, and even the bank card and credit card cannot be processed.

Summary: The consequences of overdue loan are very serious. If you have used Lending Bao loan, you are advised to reserve the principal and interest in advance, repay it on time and pay it off within 3 days at the latest.