Will online loans call or send text messages when they are overdue?

Whether the online loan is overdue for one day will call the contact person mainly depends on the online loan platform. Some online loans may be overdue for one day without calling; And some online loans may call the borrower one day overdue; Other online loans may not only call the borrower, but also call the contacts in the borrower's address book one day after the borrower is overdue. Don't take chances, you still have to pay back the money.

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1. Is overdue online lending a criminal case?

Overdue online loans may constitute a crime, which may constitute a crime of credit card fraud or loan fraud. If the online loan is overdue, it belongs to a civil contractual relationship, and the prosecution will not go to jail. However, if the court finds that you have the ability to repay, you can be fined or detained according to the seriousness of the case, and you can also be investigated for criminal responsibility. The borrower can be sentenced to "refusing to execute the judgment or ruling" and sentenced to fixed-term imprisonment of not more than three years.

2. Will it be okay if the online loan is paid off?

No, you must also pay attention to the money in the account, the proof of loan repayment and the security of account information. If the deduction is unsuccessful due to the failure of repayment, it should be paid attention to and handled in time. After paying off, ask for a settlement certificate to prevent disputes in the future. Finally, you don't need to use this platform. You can cancel your account to prevent information from leaking.

3. Will overdue online lending freeze all bank cards under its name?

At present, many online loans do not have a docking credit information system, so even if they are overdue, they will only be recorded in big data and will not freeze the borrower's credit information. However, if the online loan has been connected to the bank credit information system for a long time, the lending platform is likely to file a lawsuit in court in advance, forcing the borrower to repay and freezing all bank cards under the borrower's name.

4. loans overdue has learned how to recover the credit report.

After loans overdue's influence on credit investigation, as long as it pays off its debts and waits for five years, it can resume credit investigation. According to the Regulations on the Administration of Credit Information Industry, credit information agencies have a fixed retention period for personal bad information, specifically: 5 years from the date of termination of bad behavior or events, and if it exceeds 5 years, it should be deleted. That is to say, after loans overdue, your bad credit record will be deleted after five years from the day you pay off the money, but if you haven't paid it back, your credit will not be restored.

5. Can I take the high-speed train if the online loan is overdue for more than one year?

If the online loan is overdue for more than one year, the online lending institution sues the borrower, and the borrower refuses to repay the loan, and is listed as an executor of dishonesty, then you can't take the high-speed train. The user is only overdue, and the online lending institution does not sue the user, so this will only affect the user's personal credit and online credit, and will not limit the user's high-end consumption, so the user can take the high-speed rail.