It is legal for online loans to collect mass swearing information.

If you are overdue, it is legal for them to collect money, but it is illegal for you to swear, but it is not easy to be convicted. You can search for evidence and call the police to solve it.

You can ask the other party to stop the infringement, remove the obstruction, restore the reputation, return the property, apologize, compensate for the losses, etc.

Personal credit loan application

A citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct.

Have a good job with a just and stable income and the ability to repay the principal and interest of the loan on time.

Law-abiding, no illegal acts and bad credit records.

Obtained a personal credit rating above Grade A in China Industrial and Commercial Bank.

Open a personal settlement account in China Industrial and Commercial Bank.

Other conditions stipulated by the bank.