Beijing credit online loan sent a text message saying to go to the household registration place.

1. I lied to you. As long as the information you filled in when applying for a loan at that time is true and there is no false information, it is not a suspected contract. Loans overdue is a civil dispute. It is useless for him to issue a household registration. All this is to scare you.

2. In the P2P online loan industry, the phenomenon of overdue online loans is staged every day. Some collectors have many collection methods, and some even violate the rules. Therefore, many borrowers are allowed to complain or report through various channels to protect their rights. In addition, although the risk control system of many banks is relatively perfect and the threshold is relatively high, even so, there is still the phenomenon that borrowers appear loans overdue. So, what's the difference between overdue online loans and bank loans overdue? What should borrowers do after loans overdue?

3. First of all, the bank loans overdue will have a negative impact on the borrower's credit information, which is also known to many people, because as long as it is a regular bank, it will connect with the credit information system. Once the borrower is in loans overdue, his credit information will be stained; However, overdue online loans may not necessarily lead to stains on borrowers' credit information, because some online loans are credit information and some online loans are not, so the results after overdue are naturally different.

4. Secondly, there are some differences in collection methods. After the online loan is overdue, some borrowers will almost always encounter violent collection. Of course, the phenomenon of violent collection is manifested in threats, intimidation, abuse and so on. , so it is often unbearable for borrowers; Usually, the customer service of the post-loans overdue bank seldom uses violent collection to urge loans, and almost all of them follow the collection process. Therefore, the attitude of collection is more civilized and standardized. Of course, this is another difference between overdue online loans and bank loans overdue.

5. In addition, after the bank has been in loans overdue for a long time, it is slightly more likely that the bank will sue the borrower, because many banks are in compliance with the interest rate and other fees, so it is said that a straight foot is not afraid of a crooked shoe. On the contrary, some online loans, because of usury, beheading, violent collection and other chaos, will not easily sue the borrower even if the online loan is overdue for a long time, and will only scare the other party. In short, there is a difference between overdue online loans and banks after loans overdue.

6. Of course, for the borrower, loans overdue should actively cooperate with the platform's collection personnel to repay the loan, and try to avoid or reduce some conflicts and contradictions. If the other party has illegal collection behavior, you can complain or report the collector, but try not to use violent means to fight back at the other party, because doing so will usually make the plot worse. Finally, I also hope that the borrower will try to avoid the phenomenon of loans overdue after the loan, because loans overdue will cause a lot of unnecessary troubles to individuals after all.

7. Finally, if the bank is in loans overdue for a long time, you may be sued. At present, many banks are in line with national regulations in interest rates and other aspects. Because there are some usury phenomena on the website, even if your online loan is overdue, they will not easily sue you, but will scare you, so this is the difference between overdue online loans and overdue banks.

8. And what should we do after the deadline? First of all, after loans overdue, I should actively cooperate with the collection personnel on the platform to avoid conflicts as much as possible. If the opponent has illegal football behavior, you can complain or report to him, but don't attack them, which will only make it worse. So in order to avoid this situation, everyone still repays on time.