The online loan is overdue. Can you communicate successfully with the platform?

In the face of overdue online loans, if the borrower is not clear at the moment, he can choose to negotiate with the loan platform as follows.

1. Call the service hotline of the loan platform first and contact the staff during customer service hours.

2. Make clear your purpose and explain that you are temporarily unable to repay. It is best to provide some supporting information and remember to express your willingness to repay.

3. Finally, you can try to apply for an extension of the repayment period and repay the arrears in installments.

In this regard, the loan platform should be considered as appropriate.

If the final negotiation can be successful, the arrears can be repaid monthly according to the newly negotiated repayment plan.

If one negotiation is unsuccessful, you can adjust your repayment plan and try to negotiate and communicate many times (note that it is not feasible to negotiate only to repay the principal, unless the interest charged by the loan platform itself is too high and non-compliant, then you can choose not to repay the fees beyond a reasonable range).

Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. In particular, online loans with credit information, once they have overdue records, will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in Zhiyi Big Data.

Extended data:

Borrow money, although from what platform can I borrow money?

If a loan is refused every second, it is mostly because of personal credit problems. In this case, going to any licensed loan platform that needs approval and can query big data (credit information) may continue to be rejected. It is estimated that only some small loan platforms with extremely low application threshold can provide loans by providing ID numbers or mobile phone numbers.

However, since most of these small loans have not been approved by the CBRC and have no financial license, they are basically not very formal, so it is easy to encounter usury or fraudsters, resulting in personal money losses.

So it is not recommended to apply.

It is best to find out what is wrong with personal credit first, and then take corresponding measures to solve the problem, and then go to the formal licensed loan platform to apply for a loan.

For example, if you find that your credit is not good, you should take the time to improve your credit first.

If it is found that there are too many frequent loans and long-term loans, the application will be suspended for at least three months if big data (credit information) becomes "flower", and then the loan will be made after the situation of big data (credit information) becomes "flower" improves.

If you have more debts in your name, you can pay off the debts first, reduce the debts and then borrow.