What will happen to loans overdue?

First, after overdue payment, the account will be locked and cannot be used again. Customers can only repay, and can't use it after repayment. This is not only a hard requirement for the loan platform, but also a hard requirement for all loan platforms. Customers must not be overdue.

Second: after Yang Xiaosao's overdue behavior appears, she will receive an overdue reminder message first, and when she uses it without repayment, she will receive a reminder call. This is just a kind reminder that users need to repay. Although Yang Xiaosao can't apply for credit reporting, it doesn't mean that she can't repay.

Third, if the user fails to repay the loan for a long time, he will be notified of the contact person and burst the address book. If there is a serious overdue explosion in the address book, it will definitely bring some negative effects to the work and life of users. For the normal use of sheep, please be sure to expire.

The online loan collection process is mainly divided into the following stages:

1. Early overdue: within one week after overdue, the debtor will receive text messages and phone calls from the online lending platform continuously. If your mobile phone is on, he will call you all the time, but the tone is not so strong, and he will gently advise you to repay as soon as possible, otherwise there will be some adverse effects, such as high overdue fees, affecting personal credit information and so on.

2. Mid-overdue period: within 1-3 months after the overdue period, the collection efforts of the online loan platform will increase a lot. Some collection personnel will add the debtor's WeChat, directly treat the debtor with threats, insults and other attitudes, and inform your relatives and friends in the address book that you are a debtor, so that all friends around you know that you are a debtor.

3. Late overdue period: overdue for more than half a year will have two consequences. One is that the online lending platform does not urge, making this account a bad debt and a bad debt. Another consequence is to package your debt to a third-party collection company. It is said that their means of collection will be even more ruthless, and the possibility of home recovery is not ruled out.

To sum up, the intensive collection of most online lending platforms will be concentrated within half a year, and it will be difficult to overcome it after half a year. However, the consequences of overdue online loans can not only be violent collection, but also cause the borrower's reputation to be damaged, and he can't enjoy basic credit services, and he can't get credit products with good personal credit when he encounters emergency capital turnover again in the future.