How long will the online loan be overdue and how long will it be prosecuted and imprisoned?

Hello, generally overdue for more than three months, the loan platform has the right to sue. Of course, the platform will not sue casually. After all, litigation requires a lot of energy, material resources and financial resources, so most of them will bring a lawsuit to the court when the overdue period is particularly serious.

Usually, if the borrower is overdue, he will collect it first, send a text message or call the borrower to remind the other party to repay the loan as soon as possible. If the borrower still fails to repay the loan after repeated collection, and the overdue time is relatively long and the overdue amount is relatively large, even if no one can be contacted, he will consider suing the other party through legal channels.

Everyone should pay attention to develop good repayment habits, repay on time, and try to avoid overdue situations. After all, the consequences of overdue are very serious, which will not only result in penalty interest, but also affect personal credit. If the borrower is overdue for more than 90 days and the overdue amount is relatively large, it is necessary to pay attention and may be sued.

Moreover, bad credit records will certainly arise. Therefore, if users want to guarantee their credit records in the later period, they can only pay off their debts as required, and there will be no overdue repayment in the later period. General bad credit records will disappear from the credit report within 2 years and from the credit information system within 5 years.

Small partners who don't know their credit information only need to pass: wood data. You can check your personal credit score 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.

Therefore, if you use a loan or credit card, you must repay it on time and don't delay it easily. Otherwise, if you go to collect credit after the deadline, there will be a credit stain. After you pay off your debt, it will take five years to "wash white". If you don't pay it back, the credit stain will follow you all your life.