1. overdue time: online lending platforms usually start the collection procedure immediately after the loan expires, but the specific overdue time may be different according to the platform policies and contract terms.
2. Collection action: Under normal circumstances, when the borrower fails to repay the loan within the time limit, the online loan platform will adopt various collection methods, such as telephone, SMS, and door-to-door collection.
3. Legal procedures: If the borrower fails to repay the loan, the online lending platform can take legal procedures to recover the arrears, such as bringing a lawsuit to the court or seeking creditor's rights protection through other legal channels.
To sum up, in China, the online lending platform does not clearly stipulate the time of overdue repayment, and the specific time of collection action depends on the platform's policies and the terms of the loan contract.
Extended data:
According to Article 109 of the Contract Law of People's Republic of China (PRC), if the borrower fails to repay the debt within the time limit, the creditor may require him to pay liquidated damages and charge overdue interest at the interest rate agreed in the contract. At the same time, according to the Collection Regulations of People's Republic of China (PRC), there are certain legal restrictions and norms for creditors to collect debts, such as not using violence or malicious means to collect debts.
Please note that the above information is for reference only, and the specific situation may be different due to local laws and regulations and loan contract terms. If you face the problem of overdue online loans, please communicate with relevant platforms in time to understand your rights and obligations.