What should Chen Xiao do if he sends text messages in various ways to remind him to repay the loan?

1, you should take the initiative to contact the other party, and give the other party an attitude of forgetting to repay only occasionally or carelessly.

2. If the repayment is overdue due to turnover or capital problems, it is necessary to communicate with the other party about the expected specific time in the future, or give the other party a specific repayment plan.

3. Overdue repayment will reduce the integrity. If the other party submits this item to personal credit, it will lead to the problem of poor credit, which will affect loans, travel, employment and family. Whoever maliciously fails to repay the loan and defrauds banks or other financial institutions for the purpose of illegal possession shall bear criminal responsibility if the amount is huge.