Shanghai consumer finance companies can choose whether to sue according to their own business needs and consumer behavior. When applying for a loan, consumers need to read the terms of the agreement and the repayment method carefully. Consumer finance companies have the right to choose to sue consumers if they fail to repay in full and on time within the repayment period, or if there are problems such as fraud and false propaganda in the loan contract.
Therefore, before applying for a loan, consumers should carefully understand their repayment ability and risks, and read the terms of the contract carefully to avoid repayment problems in the future.