What should I write in a short message for an overseas visit?

It may not be true. Need verification to avoid being fooled. Anything that you are notified by SMS is basically fake. First of all, if it is a court notice, it will directly let you go to the court in the jurisdiction to get the responding materials; Secondly, credit cards usually involve punishment, which will be handled by the public security organs and will not inform you to file a case.

1. What is loans overdue?

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Two. The consequences of maturing loans are:

1. First of all, the loan will not generate bad credit records, which will affect other credit businesses in the future.

At present, most lending institutions have been docked with the People's Bank of China's credit information system, and borrowers' overdue repayment will soon be uploaded to the central bank's credit information system, that is, the borrower's information will appear in all banks' internal systems at the earliest the next day.

After the deadline, the credit report will inevitably leave a bad record. Once you stay, you have to keep it for five years. If you want to borrow money from the bank or apply for a credit card in the future, it may be difficult to apply because of poor credit.

Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money.

2. Lending institutions will charge overdue penalty interest and liquidated damages. The longer they are overdue, the more money they have to pay. Generally, the default interest rate is between 1-3%, and the default interest rate is changed to 30%-50% higher than the loan interest rate agreed in the loan contract according to relevant regulations. For overdue loans, interest will be charged at the default interest rate from the date of overdue until the principal and interest are paid off; For the interest that cannot be paid on time, compound interest is calculated at the penalty interest rate, which is generally a bank loan. If it is a small loan company, many will pay penalty interest on a daily basis, generally ranging from 20% to 50% a day.

3. If the overdue period is long and the amount is large, it may be sued by the lending institution. If the court still refuses to repay the loan after the judgment, it will be included in the "list of untrustworthy executors" and may not take high-speed trains or planes.

4. Affect personal family and life.

For overdue loans, lending institutions have a complete collection system, not just a single telephone notice. Once the borrower is overdue for a certain period of time, including but not limited to telephone collection, issuing collection notice, door-to-door collection and prosecution, the lending institution will not only collect the borrower himself, but also contact the borrower's relatives and friends, which will affect not only the borrower himself, but also the family, relatives and friends.

5. Publish personal information and apply for court proceedings.

If it is overdue for more than 90 days in a row and the circumstances are serious, the bank will publish overdue information such as personal name and ID number in the media, or notify the work unit. The bank will collect the loan according to law and bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract). The court will take measures such as property preservation, including freezing deposits in all bank accounts of lenders and loan guarantors and sealing up pledged property.

After the judgment is made, the bank will enforce it (deduct deposits, auction pledges, etc.). Property used to pay off bank loan losses according to law, including: loan principal, loan interest, overdue interest, penalty interest, all litigation costs arising therefrom, and related expenses incurred when the pledged property is realized.