I borrowed a cash loan of 3000 yuan and paid it back in two installments for five months. Do you want to ask me for help when you receive the text message? What should I do

It is suggested to repay the arrears as soon as possible, which will lead to serious overdue:

First, bear the high overdue fee.

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, bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days after the deadline, platform customer service MM quietly and enthusiastically reminds 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 give a serious warning and threaten to face serious consequences if it is overdue; In the third stage, it has been overdue for a long time, and the platform no longer tries to convince the other party and begins to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms will outsource collection, and special collection companies will carry out collection. The collection company "violent collection" that broke out some time ago, I believe that borrowers are not willing to encounter it.

Third, the People's Bank of China has a stain.

At present, most online lending platforms have not been connected to the PBOC credit information system, but it has become an inevitable trend to access the PBOC 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 like bank loans and credit cards that are overdue, resulting in a credit stain. If the previous consequence is only humiliation, the stain of credit information will affect real life, and if you want to buy a house, you can't borrow money, if you want to buy a car, you can't mortgage, and so on.

Fourth, the defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute the crime of fraud and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower will not only have to pay the money to be repaid, but also pay the litigation costs and huge fines of both parties, and even face jail time.