What should I do if I receive a reminder message?

With the east wind of internet finance, the online lending platform has also started a barbaric growth model, and various microfinance products have emerged in an endless stream, which is dazzling and I don't know where to start. However, looking at the entire online loan market, there have also been many chaos, the most troublesome of which is the violent collection after the online loan is overdue. Exploding address books, sending photos in groups and harassing text messages have long been effective tricks for collectors. So, what should I do once I receive the reminder message? The solution is shared with you!

Step one: think calmly.

When we receive the reminder message, please keep a cool head, check the information and relevant evidence in detail to find out whether there are any mistakes and confirm whether there are overdue debts. If you have overdue debts, please carefully review your past consumption behavior, financial planning and other issues, and analyze the reasons for overdue. Only by clarifying the root of the problem can we take effective measures and make a reasonable repayment plan.

Step 2: communicate actively.

Contact the lender as soon as possible, and express the sincerity and desire of active communication and consultation, * * * find out the best solution and make a specific repayment plan. At the same time, in this process, we also need to pay attention to keep all files, emails, chat records and other basis as backup; If the lender gives corresponding preferential policies or offers interest-free and delayed repayment, it may consider reducing the burden of interest expenses.

Step 3: Seek professional help.

If you can't solve the problem yourself, or encounter complicated situations, you can choose to seek professional advice and help. Such as credit intermediaries, law firms and consumer associations. Before cooperating with these institutions, please confirm their qualifications and charging standards, and read the terms of service carefully.

Step 4: Protect personal information.

In order to avoid fraud or other accidents, it is necessary to pay attention to protecting the security of personal information. It is suggested that the content of short messages of unknown origin should be handled with caution; And strictly limit the spread of overdue arrears related matters to prevent leakage to unnecessary personnel and lead to a vicious circle.

To sum up, we need to be rational when receiving short messages, take corresponding positive attitude and actively communicate and cooperate to solve overdue problems; At the same time, we should also pay attention to the preservation of evidence and the security of personal information to minimize potential risks.