Rong Rong U card loan suddenly received a repayment message.

When you suddenly receive repayment information, first verify whether you have a loan and deal with it according to your actual situation. If you do have a loan, you should repay it in time.

With the development of economy, more and more young people use credit cards or peer-to-peer lending platforms. When we use the peer-to-peer lending platform, we will also find that most network platforms are legal and compliant. Although some of them may have legal loopholes, since there is a loan relationship through the online platform, they should actively cooperate with repayment, not escape.

1. Will online lending be put on file?

If the arrears are online loans, private lending is only a civil dispute and generally does not have the conditions for criminal filing. If the credit card is overdue, it will be suspected of malicious overdraft and credit card fraud.

Second, what should I do if I receive the notice of filing?

So, is the so-called "filing notice" true or false? Here I want to remind you that after receiving these short messages, please remember two points:

First of all, banks are only financial service institutions and will not issue so-called "filing notices". If your credit card is overdue for a long time, the bank will indeed report that you are suspected of credit card fraud, but it will not send you the phone numbers of the police and lawyers handling the case.

2. The court will not send the defendant a so-called notice of filing a case or a warning letter, let alone send you a text message. If you are really sued, the materials you receive must be paper materials signed and sealed by the court, such as court summons.

Therefore, the "filing notice" you received is a "trick" used by third-party collection agencies. However, if you owe a credit card, the bank must answer the call to avoid being labeled as malicious overdraft. Secondly, if you really can't finish it at once, you should also pay a little every month. It is best to pay the minimum repayment amount to show the willingness to repay and avoid being suspected of credit card fraud.

Third, the consequences of malicious overdraft.

"Malicious overdraft" refers to the behavior that the cardholder evades tracing for the purpose of illegal possession, or knows that he is unable to repay, the overdraft amount greatly exceeds the amount allowed by the credit card, or fails to return it within 3 months from the date of receiving the dunning notice from the issuing bank.