What should I do if I receive this text message three years after the online loan is overdue?

What if I receive a text message after the online loan is overdue? I can deal with it from the following aspects:

First, pay off the arrears as soon as possible.

After the online loan is overdue, you must pay off the arrears as soon as possible, because many online loans have high interest rates, and once overdue, it may cause high overdue fees. Moreover, some online loan products were collected at the meeting or cooperated with Sesame Credit, so overdue affected personal credit. Therefore, after overdue, those with repayment ability should repay as soon as possible to avoid affecting personal credit or generating high penalty interest.

Second, borrow money from friends and relatives.

If the deadline is not met temporarily, you can choose to borrow money from relatives and friends to solve the urgent need. After all, the cost of overdue online loans is higher than borrowing money from friends.

Third, collect evidence.

If the online loan is violently collected or threatened after it is overdue, it is necessary to collect evidence and report it to the relevant departments when necessary.

Overdue online loans will also affect users' online black index scores, if the online black index scores are too low. The low score of Internet Black Index will not only affect the mortgage success rate, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: quick card test. Click "Query", enter information, find your own 100-line credit data, and find this WeChat applet. The data comes from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist, online loan application record, application platform type, online loan credit limit estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.