My online loan is overdue, and I answer the phone, but they still send it every day.

According to feedback from some online loan users, some illegal small loans will make fancy collection on debtors on the overdue day, not only sending text messages and making phone calls crazily, but also bursting the address book to let friends and relatives around them know their online loan arrears. These behaviors belong to "violent collection". Everyone should learn to collect evidence and take up legal weapons to safeguard their rights and interests.

Most of the current online lending platforms have implemented a blacklist system internally, which is what we often call a big data system. Although most online lending platforms in the market have not been connected to the central bank's credit information, they have also been connected to online lending big data. If the online loan big data is tainted, such as overdue or frequent loan application records, then applying for a loan is easy to be rejected. Therefore, it is suggested that we can try to conduct a credit test on WeChat-"Feiyu Kuaicha" to understand our online loan records, and then take the initiative to get in touch with online loan institutions, so that both parties can work out a reasonable repayment plan, and then ask family members or friends to help, pay off the expenses as soon as possible and eliminate overdue negative records.