What about the loan in 2022?

Loans owed by the online lending platform should be repaid in accordance with regulations. The platform being retired does not mean that the debt relationship is terminated. Under normal circumstances, the platform will also notify the repayment as agreed. Overdue, but also bear the responsibility for overdue.

Generally speaking, if it is overdue, it also needs to bear the following consequences.

1. Credit information will be affected.

2. The platform will accept it.

3. There will be penalty interest.

4. Affect other loan applications.

5. The occupation is affected by the damage of credit information.

6. It will be blacklisted.

7. Affect children's further education.

8. Unable to enjoy preferential loan policy.

It can be seen that the cost that needs to be borne after the deadline is great. Don't deliberately not pay back the loan platform because it has been retired.

If the related loan APP can't get in, you can contact customer service to consult the repayment method. Of course, you can also consult the relevant departments. Under normal circumstances, formal lending institutions will file with relevant departments.

In short, you must repay the loan you owe in time before the repayment date expires.

When many people apply for online loans, they will be told that they are black households with insufficient comprehensive scores. If it is not an overdue black household, then we must find other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can search in Winnie Hsin. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

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What should I do if the online loan platform problem leads to overdue?

If the borrowed online loan is overdue due to platform problems, it is recommended that the borrower do the following.

1. Anyway, pay off the arrears first, and don't continue to be overdue.

Because the longer the overdue time, the more penalty interest will be generated, and the more serious personal credit damage will be.

2. After paying off the arrears, the borrower can complain about the overcharged penalty interest of the loan platform. After all, it is not your own fault that leads to the failure to repay on time, and you can ask the other party to return the overcharged money.

If the overdue loan is reported by the loan platform to the central bank for credit information (big data), you can also contact to delete it.

3. If the borrower finds that the loan platform deliberately makes him overdue in order to collect more interest fees, he is advised not to borrow from the loan platform in the future. He can apply to cancel the loan account registered on the loan platform, unbind the bank card, and then choose a regular licensed financial institution to borrow money.

And collect relevant evidence to report the loan platform to the local CBRC or China Internet Finance Association.