If I stay in loans overdue for three days, will I call all my contacts? I will return it on the third day. At present, I have received a pat collection message. Haven't answered yet

After three days overdue, I will hardly call my contact. If you receive a call from customer service, you can negotiate with customer service and promise the repayment date. Otherwise, it will have some bad effects on yourself. First of all, it will affect your credit. After the repayment date, the platform will charge higher interest.

The consequences of not returning goods are as follows:

1, affecting credit. Pat the loan and cooperate with other credit reporting agencies. If it is overdue, it will be recorded, which will affect credit;

2. Generate penalty interest. If the repayment date has not been paid off, even if it is overdue, the platform will calculate your penalty interest at a higher interest rate;

3. Be collected. After the deadline, there will be special collection personnel staring at you, constantly calling you and sending text messages for collection.

It is recommended to repay the loan as soon as possible after the overdue period, which is serious:

First, bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

Second, undertake the fancy collection of the platform. Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service tells you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions. There are many kinds of practical actions. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

Third, the People's Bank of China is tainted. At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the credit is tainted, it will affect real life. If you want to buy a house, you can't borrow money. You can't get a mortgage if you want to buy a car.

Fourth, the defendant went to court. If the loan is overdue for a long time or deliberately not paid back, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform.