58. loans overdue, send a text message saying that the lawsuit is legal.

Legal analysis: online lending belongs to private lending, which is a civil dispute and does not involve criminal law. If the credit card limit exceeds 50 thousand, the bank will not collect it for more than three months, which is related to criminal law

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.