Online loans are overdue and always call family and friends. Send short messages to harass every day, what method can be prevented!

In order to urge the borrower to actively repay the loan, once the borrower fails to repay the loan within the time limit, he will frequently receive dunning calls and text messages and refuse to actively repay the loan many times, so the creditor may pay attention to his family. If you don't belong to the same debt family, in fact, this loan has nothing to do with other family members, and the other party can't harass you by SMS or phone. In practice, if you encounter this kind of network harassment, you can choose to call the police actively.

In fact, if the borrower fails to pay back the money within the time limit, no matter whether his family needs to bear joint and several liability, as long as the other party carries out harassment such as text messages and telephone calls, which seriously affects his normal life, it is suggested that he can actively call the police.

However, after the online loan is overdue, we must pay off the arrears as soon as possible, because many online loans have high interest rates, and once overdue, it may cause high overdue fees. Moreover, some online loan products were collected at the meeting or cooperated with Sesame Credit, so overdue affected personal credit. Therefore, after overdue, those with repayment ability should repay as soon as possible to avoid affecting personal credit or generating high penalty interest.

Small partners who don't know their credit information only need to pass: two white data. You can check your personal credit score and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist, online loan application record, application platform type, online loan credit limit estimation and other important data information.

Therefore, if you use a loan or credit card, you must repay it on time and don't delay it easily. Otherwise, if you go to collect credit after the deadline, there will be a credit stain. After you pay off your debt, it will take five years to "wash white". If you don't pay it back, the credit stain will follow you all your life.