What should I do if I receive a credit message from everyone?

Receiving a short message from everyone's credit should be that the user's online loan is overdue. In this case, users are advised to settle the online loan as soon as possible, otherwise the credit information will have a great impact.

If users don't use any online loans to borrow money, they don't have to pay attention to such short messages. In addition, most users who receive text messages are due to overdue online loans, otherwise online lending institutions will not send text messages at will.

The most direct consequence of overdue online loans is that they will be collected, and the penalty interest and interest will snowball day by day. If it is not resolved as soon as possible, the longer it drags on, the more uncertain things will become. Don't try to land, it rarely works. Suggest making a repayment plan for yourself.

First, classify overdue online loans, and list those with credit and those without credit. If there is no credit, it depends on who will borrow big data online, and then give priority to those with good credit, followed by those who borrow big data online. Many of these are related to our personal credit.

Then mark the principal, interest and overdue time of each online loan respectively. If the overdue time is too long, you can try to negotiate repayment to see if you can reduce some interest, especially if the annual interest rate exceeds 24%, and the excess is not protected by law; Second, see if we can extend the repayment period, preferably in interest-free installments.

You have to pay it back in the end. The key point is where the money comes from. In the case of insufficient income, it is recommended to be frank with your family and see if you can pay it off with the help of your family. If not, you can borrow money from relatives and friends. There are many ways to borrow money, but remember not to raise cards with cards, but to raise loans with loans, otherwise you will get yourself into a quagmire.

If the overdue is not more than three times in two years, and the overdue is within one month, this situation is not a serious overdue. It may be that the borrower temporarily forgets to repay or is unable to repay due to short-term financial problems. As long as the repayment is made in time within one month, the attitude is more positive, which will not have a great impact on the subsequent loan application and card application.

If there are 3-6 overdue times in two years, and each overdue time is less than 1 month, it proves that there are many overdue times, and the borrower may be habitually overdue and pay insufficient attention to credit reporting. If you don't repay for three consecutive months within two years, the cumulative number will reach more than six times, which basically belongs to "loan users". Credit loans are basically impossible unless you apply for a mortgage loan. Waiting for 2-5 years after repayment can eliminate certain influence.

In short, a large number of online loans are overdue and not terrible. The terrible thing is that they don't have the courage to undertake the repayment obligation. Compared with credit cards, online loans are still relatively loose. Even if sued, it is only a civil dispute and will not rise to a criminal case. As long as they are willing to repay, I believe that the online lending platform will still give you a chance.