I have never made a loan on this platform. Why did you send me a message saying I was overdue?

1. I have never made a loan on this platform. Why did you send me a message saying I was overdue?

The reason may be telecommunications. If you are sure that there is no overdue debt and you have not borrowed money from any platform, you can actually ignore it! Another situation is that your personal information is leaked, and others use your information to defraud loans on a loan platform. Contact bank customer service for telephone consultation. If you are cheated, please call the police in time. As long as you prove that you didn't borrow it yourself, you don't need to pay back the money. Bank loans overdue will have consequences: 1. Bank loans overdue will calculate the penalty interest. Nothing for nothing. Financial institutions are willing to lend you money, and of course they will charge you interest. Once you borrow money, the overdue penalty interest and the loan penalty interest are designed for you. Penalty interest is one of the most intuitive consequences in loans overdue, which is directly linked to your money. Loans overdue records of banks are included in other hazards in loans overdue, such as overdue records, which are one of the most fatal consequences. Even if you pay off your debts, your personal credit report will still show the fact that you are in loans overdue. The next time you want to apply for a credit card or apply for a loan, it will be affected. There are too many overdue times, and all kinds of loan financial services are basically beyond your reach. If the overdue situation is serious, the mortgage and car loan will be affected in the future. If it is the formation of Lao Lai, many restrictions on consumption, high-speed rail, airplanes and so on will be restricted. Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money. 3. Bank loans overdue will be collected, or even blacklisted in loans overdue by the person who has broken his promise. Another serious consequence is that it will be taken away. Text messages and phone calls are routine means. Once all this fails, the bank will sort out your loan contract and hand it over to the regulatory authorities for you to handle. If you don't repay the loan and go to court, as long as the evidence is conclusive and you want to breach the contract, you will be sentenced to compulsory execution, even if your only house may be auctioned. 4. Bank loans overdue affects personal career. For loans overdue customers who have been overdue for more than 90 consecutive days and the circumstances are serious, the bank will publish the ID number and overdue information in the media, or notify the work unit, and will. 5. Bank loans overdue affects future loans. When many people apply for a mortgage again, they find that they have left too many overdue repayment records on the old mortgage because of carelessness. In addition to the penalty interest for overdue mortgage repayment, they may not be able to obtain the preferential interest rate of bank mortgage smoothly. What's more, it is impossible to apply for a mortgage.

2. Excuse me, which of you's "Learn from Me" app has expired, and I don't have a credit card. Is credit included in the bank card or something?

Overdue refers to the bank credit report sent by the lender, which is personal to you. When you need a loan in the future, apply for a credit card and spend on various loan types. You can find it, and it will exist for five years.

So if you are overdue, try to contact the lender in advance to show your attitude and don't make things worse.

I don't have a credit card, and I'm still a student. Who can help me get a phased mobile phone? Thank you.

The question is how do you pay back the money every month?