Can I not return my credit wallet? No, what will happen?

; ? Now you can apply for a loan through the internet, and the next payment is much faster than the traditional channels of banks. However, some people think that the influence of online lending platform is not as good as that of banks, which leads to the idea of not repaying loans. Because many people who have this idea borrow money from credit wallets, let's talk about whether credit wallets can be returned and what the consequences are.

There is no lender in the credit wallet. Therefore, different lending institutions have different ways to deal with loan non-repayment. Generally speaking, the lender will take the following measures against the debtor:

Report to the credit reporting agency

Lenders of credit wallets will report the debtor's bad records to major credit reporting agencies, including central bank credit reporting, sesame credit reporting, Qianhai credit reporting, koala credit reporting and so on. After these bad records are recorded, it will be very difficult for everyone to apply for loans in formal financial institutions, and even finding a job and talking about business will be affected.

2. Continuous collection

For non-repayment, the lending institution of the credit wallet will arrange for the staff to continuously collect the money by telephone, SMS, etc. Some lenders may also entrust a third party to collect money.

3. Take legal measures.

If necessary, the lender of the credit wallet will take legal measures to deal with those who do not pay back the money. At that time, people who didn't pay their debts would be listed as "old lai" by the court, and food, clothing, housing and transportation were strictly restricted from then on.

It is not difficult to see from the above that the credit wallet cannot be returned, and the consequences of not returning it are terrible and not many people can bear it.