What will happen if the 2345 loan king is overdue? Do you collect credit at the meeting?

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

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, bear 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 MM whispers and 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 seriously warn that it will face serious consequences if the threat is overdue; In the third stage, it was overdue for a long time, and the platform stopped trying to persuade each other and began 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 outsource the collection, and special collection companies carry out the collection. The collection company that broke out some time ago, "violent collection", I believe that borrowers are not willing to encounter it.

third, facing the national trust crisis.

Now all online lending platforms have established a blacklist system, and the blacklisted platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, the online lending platform will publicize the blacklist through its own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, except those who owe money maliciously, ordinary borrowers will not go this far.

fourth, the people's bank of China has a stain on its credit information.

At present, most online lending platforms have not been connected to the credit information system of the People's Bank of China, but it has become an inevitable trend to access the credit information system of the People's Bank of China. In the future, if the online loan 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 overdue, resulting in credit stains. If the previous consequence is only to lose face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car and so on.

5. The defendant goes to court.

if the loan is overdue for a long time or deliberately not paid back, after the amount exceeds 2, it can already constitute a fraud crime, and it 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 that needs to be repaid, but also pay both parties' litigation costs and huge fines, and even face jail time.