Everyone says not to support loans with loans, but what should I do if it is overdue?

which one do you choose, overdue now or overdue after the loan is raised to 5, yuan?

in fact, many people are forced to do nothing, and finally the capital chain breaks before it is overdue, and then a bloody lesson is summed up: don't support loans with loans.

most people understand this truth, but they just can't do it. Why? Because I am afraid that my family will know, I am afraid that my colleagues will know, and I feel that I have the ability to turn around, and my future income will be gradually paid back. If you weigh it carefully from the following three aspects, you will know that it is really a dead end to support loans with loans, and what the predecessors said is really from experience. First, the concepts of handling fee and interest rate are vague.

Many platforms calculate the handling fee based on the daily interest rate, which shows you that 1 yuan only needs 5 cents a day. When you look at it, it's really cheap. Can't you afford 5 cents? I can still afford 1 5 cents, and then I can borrow money without thinking or calculating. I don't know that the interest rate of this day is as high as 18% per annum, and the benchmark interest rate of bank loan quotation for more than five years in 22 is only 4.65%. You calculate how many times this is more than.

I have 17, yuan for Alipay and 17, yuan for micro-loan. I contribute 4, yuan in interest a month to these two companies alone. Do you think it's horrible? Second, blindly optimistic about their income growth.

You chose to keep your debt from erupting on the assumption that your income can continue to grow. However, in the current generally bad economic environment, it is uncertain whether you can keep your current job, not to mention whether your income can increase by 18% annually to cover the expensive handling fees.

in February, 221, the world-famous international automobile giant, Mercedes-Benz, announced that it would launch a larger-scale layoff plan and lay off another 1, jobs on the basis of the existing 1, layoffs.

large enterprises under the impact of the epidemic are overwhelmed, and many small and medium-sized enterprises are even more unsustainable. What makes you optimistic? Third, the risk control of the platform.

You have borrowed more times, and many platforms will directly reduce your quota without waiting for you to be overdue. Think about it, because you have no money, and now people won't let you borrow. What should you do? Your set of operations is based on the loan provided by the platform. The problem is that this foundation is decided by others, not by yourself. This is a man-made knife, and I have no initiative at all. It is almost impossible to maintain this cash flow until I pay off my debts. Give you a little routine and your cash flow will be completely broken.

Finally, I would like to sum up and answer this question:

1. I didn't directly overdue the loan, the amount was small, and the repayment was fast. After paying off, I was a hero for five years.

2. If you can't pay off the huge debt by taking out a loan, it's still overdue, and your family has been greatly hurt. It takes a long time to pay it back, and it will take another five years after you pay it back. But by that time, you may be over 5 years old, and the bank has basically stopped lending to people of your age. What's the use of your credit?

when you support a loan with a loan, it means that your repayment ability is not very good, and you can only choose to support a loan with a loan. However, all those who support a loan with a loan will end up with only one thing, with more and more debts, and finally they can only be overdue. Unless you get rich in a short time, there is only one way to go beyond the deadline. Why are you afraid of being overdue? Friends and relatives will have a bad opinion of you when they know about it, and they are afraid of being exposed to the address book and being hacked by credit information. If you think so, it's wrong. People who have bad opinions about you show that your usual relationship is not so good. What do you care about? In fact, a good relationship really won't alienate you because you owe online loans, but it won't be mentioned in front of you. You should go ashore after the deadline when you really can't repay it. You don't care what the credit report is for. In a word, raising loans with loans is a dead end, and it's still a big pit waiting. I have been raising money by loan for more than two years since I started with 1, yuan. In the end, I have paid interest all year round, and I still owe more than a dozen. After I figured it out, I chose to go ashore after the deadline. After I landed, I found that I was really relaxed and devoted to making money. I won't be able to sleep for every repayment day. Don't be afraid that my family will scold you and bother you. That's just the beginning. As long as it's not a bank, it's best for my mobile phone to intercept strange numbers directly. You don't have to pick up the online loan, even if you have no money, you still pop up your address book and simply don't pick it up. Otherwise, you will find that you are in no mood for work after picking it up. Don't take the loan to support your loan. If you can borrow money from your friends and relatives, you can borrow it. If you can't repay it, you can choose overdue. < P > If it can solve the problem by taking the loan to support your loan, it is still a way, but often you can only live for a few more months, which is overdue and the problem is more serious. Settle it through negotiation after the deadline. The purpose of the lender is to make you pay back the money, not to kill you. There is always room for communication.

I'll tell you my experience. What a terrible thing it is to raise a loan with a loan. Let me tell you in my own words the terrible thing about raising a loan with a loan.

The method of negotiating repayment and only repaying the principal is attached.

I was born in a poor peasant family. Since I was a child, my dream was to make a fortune when I grew up, to let my parents live a beautiful life, to stop them from working, and to lie at home and have tea and chat every day. But how big a person's dream is, his heart will be big, and at the same time, it will probably hurt you.

I didn't know anything about eating, drinking, whoring and gambling before. No matter how my friends around me took me, I was always indifferent. I started to work outside in 26, because my starting point was very low, so I was easily satisfied. I got a salary of 6 yuan a month, sent 5 yuan home, and took 1 yuan to live on my own. At that time, it was a wonderful thing. I have always insisted on one thing, that is, when I pay my salary every month, the first thing I do is to bring my salary home, and I have been insisting for four years.

in 211, my life changed a lot. I met a girl in the factory, and then we fell in love and finally came together hand in hand.

under the persuasion of my girlfriend, I began to make a new change in my life plan. I want to start my own business, and I can't work together anymore. That is a road that can already see the end.

when we didn't work overtime at night, we started to set up stalls outside with clothes, trying to change our thinking and make different ideas. We took them to the market every night to set up stalls, earning forty or fifty dollars a night. At that time, we were very happy, because we added forty or fifty dollars to our small family.

It lasted about two months. Later, my little girlfriend learned from her friends that it was very profitable to open a small shop on the Internet. Then we registered a small shop on Taobao. At first, we didn't know how to operate it, but after constant exploration, we finally found it and opened the door to the golden key.

from 211 to 215, during the four years, I earned about 5, yuan in Taobao. It was really easy to make money at that time. Then his ambition is quite big, and only ambitious people can do great things.

Because from 211 to 215, my girlfriend has gone back to her hometown to give birth to a child, and he went back to her mother-in-law's home. Because he said that it is best to take care of herself only by her mother, I certainly respect his opinion, and I will send him 3, yuan every month. Keep it up, because I have earned money, and when her mother helps to take care of the child, she will give him 4, yuan every month.

So I want to expand my career, go back to the old road and open a physical store. Later, after my constant exploration, I found a facade outside and started my own store. The Taobao store has also been fully transferred to a physical store, where I hired three employees to take charge of Taobao online business and take care of the physical store by the way.

just because I have done everything well, I feel very idle and have nothing to do every day. Because my wife is in her hometown, she wants to find something to do for herself every day, and often goes out with friends to wash her feet and massage KTV and other entertainment places. It is said that people who often go to such places will be bad, and this sentence is not wrong at all.

I met some irresponsible people in it, and later, after their recommendation, I played gambling on the Internet. At first, I was just creating, fooling her, that is, following her, because he told you to play and you refused her, and I felt that you didn't treat her as a friend, plus I was interested in her.

It doesn't take a whole month from the beginning of curiosity to the fall behind, because from the beginning of playing, I feel it's too easy to make money inside, because I've never been contaminated with this kind of thing before, as people have said, curiosity kills the cat. Just because I can't stand the temptation, I may earn two or three thousand or even ten thousand dollars by spending a small two or three hundred dollars in it every day. This income feels faster than my own shop, so I stick to this idea every day.

I didn't count the funds until a month later, and found that I lost about 1, yuan playing in it. Then I gave myself an idea. Maybe I didn't know where I lost when I was playing, so I kept reminding myself every day that I couldn't get angry. But if I didn't know about gambling, I was afraid that you wouldn't come, even if you won for 1 days, it wouldn't be enough for him to lose for half an hour. I finally experienced this feeling. In the later days, I thought about turning over my books and turning over every day. Sometimes I really won and won back all the money I had lost. I clearly promised that I would never play again, but I wanted to be greedy with him, and then I lost.

I went in again and again, and lost more than 4, yuan in less than three months, because I was more patient. It was not bad to pay this money for so long, but these were the operating funds of the store. Later, when the store ran out of money to get the goods, I closed the store and all the people were dismissed.

I thought that I might win all my money back at once in gambling, and my mind was always thinking about winning millions. Later, I got deeper and deeper, and after losing all my movable funds, I saw my friends and relatives' money lying to them about using it as working capital. Because I started a shop, it was very convenient to borrow money, and soon I owed more than 2, yuan, but the paper could never be wrapped.

I have to send 1 thousand yuan home every month, and it's time to run out of money. I have to send money again, so I have no choice but to start to find online loans and credit cards. In this way, the capital turnover is almost more than a month, because I am addicted to gambling.

I used up the credit card limit of 1, yuan. Later, because I had to return the credit card, I had to apply for a loan online, and I used the loan to repay the credit card. Every month, more than 1, yuan disappeared from the credit card of 1, yuan every moonlight, and the interest and salary paid by the loan were not enough. I had to repeat it for about 4 months. I really couldn't stand it, not only.

In particular, I won a loan called Routine Loan. On a loan treasure, I borrowed 1, yuan and got 8 yuan. If the repayment is not timely, I have to turn to my interest, and this is repeated every week. Well, after one month, not only the principal is enough, but also it is outstanding.

Later, I had no choice but to go ashore by force and stop repaying all my credit cards and loans, because it was impossible to survive, not to mention repaying loans.

But I have never experienced a big storm. I don't know what the consequences will be if I don't pay back. From the very beginning, I chose not to pay back the money, and the collection staff began to call me constantly, which made my image in the eyes of my wife and mother-in-law fall to zero at once.

But this blow was just the beginning, and the impact and consequences I didn't expect at all. The collection phone started calling my home, and he called all my relatives and friends. Later, all my friends explained one by one. I said I didn't care about that phone call, because I offended others, and others were retaliating against me. He deliberately said that I owed money.

However, there is no way to remove this kind of thing just by oral explanation, because it directly affects the normal life of others. Instead of hitting me, he is hitting my friends around me, calling their mobile phones with high-frequency phones and sending them to their mobile phones with high-frequency short messages, so that they can't use their mobile phones normally, hitting me from the side and making my friends force me to pay back the money.

Later, it was directly upgraded to sending a lawyer's letter, which was sent to the village committee and home, and the people in the home were also making a lot of noise, and it was all spread in the village. Suddenly, I became a celebrity in the whole village.

what's more serious is that after a while, they send short messages directly to their relatives and friends, saying that if they don't pay back the money, they will come directly to the door, and they also say what job number they sent, which scared their relatives and friends to death.

later, I told all my relatives and friends directly that if they called me after the work, they would say that I had gone abroad and was not at home. There was nothing I could do, and it was also the strategic shift mentioned by my predecessors.

After three years of hard work, I finally made some achievements. In three years, I didn't contact any company or any credit card, and I didn't contact my relatives and friends, because I knew he could find me.

when I stood up, I decided to ask them to negotiate to pay back the money. I gave priority to the credit card, because the credit card is a bank and a state institution of the bank. No matter what I do in the future, it is closely related to them. I must be clear about my debts, what I should not change and which one I should give priority to.

I'm going to talk about the two methods today. One is sued and the other is not.

Guangzhou Bank's credit card, because I have been sued by this bank's credit card. Although I have been sued, I have never dealt with it, so my first task is to deal with this bank first. The following is my negotiation process.

① I took the initiative to call the customer service phone of this bank and asked the customer service how to handle this debt.

② The customer service gave the phone number of the business manager of the collection department.