We2000 will notify the family a few days after the expiration date.

Loans overdue usually doesn't inform his family, only when you can't reach him in loans overdue.

1. What will happen to loans overdue?

1, the person who is listed as the person who has been executed for dishonesty forms a stain on the "credit report".

Once overdue, the credit report will inevitably leave a bad record. If the circumstances are serious, it will not only be included in the list of untrustworthy executors, but also may affect future loans.

Once it is included in the list of dishonesty, it will be "restricted from high consumption". At that time, you can't not only build trains and planes, but also buy a house, stay in a star-rated hotel or even attend a private school for your children.

2. Generate penalty interest

Although the policy of each banking institution is different, generally speaking, as long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest.

3. Facing the danger of being sued.

If it is overdue, the bank will inform you to make a collection, and a collection announcement will be issued after the collection is invalid; If the collection notice is ignored, banks will regularly sue overdue claims. At this time, you will face legal problems.

How can we avoid the above situation?

1, dealing with "negligence" overdue

Many lenders are overdue because of negligence, not intentionally. At this time, you should call the bank immediately and explain the reason for the overdue. It would be great if it wasn't your own fault. Then let the bank issue a non-malicious overdue certificate and pay back the money in time.

2. Binding automatic repayment

At present, many banks have introduced the function of automatic repayment of bank cards, which can link the repayment account with their own bank cards, let the system automatically deduct money, and can also repay through Alipay, which is very convenient and fast.

Step 3 apply for an extension

If your past credit history is very good, then if you are overdue for the first time, you may be able to inform the bank of your situation and negotiate with the bank in a friendly way to apply for deferred repayment. For departmental customers, the bank will give a certain grace period.