1. If it is really impossible to repay the online loan, the user can contact the online loan platform in advance before the deadline to inform the other party of the current inability to repay, and indicate that he is willing to actively find ways to raise funds to see if he can apply for deferred repayment or installment repayment.
2. If it can't be postponed, then the user will turn over the money to his friends and relatives around him and return it to them when he has money, which can effectively avoid overdue and keep his credit information.
If there are valuable objects in the name, they can also be used as collateral to raise money to repay the loan.
All in all, online loans must not escape when they are overdue. Even if you can't raise money temporarily, you should answer the collection call of online loans in time, inform the situation, and avoid the platform from calling users' relatives and friends, work units, etc. Because you can't contact me, it will affect your personal reputation. In addition, if you raise a little, you will pay it back first to show your sincerity in repayment.
Second, can I still apply for a bank card if I owe online loans?
It depends on the specific situation, mainly on whether the loan owed is on credit. Some online loans can't be used for credit reporting, which won't affect credit. You can apply for bank cards. Some online loans will affect credit information, so you can't apply for a bank card.
Generally speaking, credit online lending will certainly produce credit stains, which will affect future mortgage and car loans. After more than three months, it will become a black account, which will not help all banking business. If you don't pay it back all the time, it will become a bad debt. If the amount is large, it will even be sued for compulsory repayment and included in the list of Lao Lai.
The long-term non-repayment of online loans without credit information is generally gone. If the amount is large, it may be sued for returning the principal and the highest interest rate stipulated by law, and some courts will not support it. If it's not malicious default or fraudulent loan, you don't have to worry about going to jail. Generally, it's civil liability.
3. What are the consequences of overdue online loans?
1. The loan records of online lending companies will be uploaded to the central bank's credit information system. Generally, overdue loans will be recorded in personal credit information, which will have an impact on personal credit. Later, if you apply for a loan and apply for a credit card, the pass rate will be reduced.
2. loans overdue will also generate high interest and liquidated damages, and the longer the overdue period, the more penalty interest.
3. If it is overdue for a long time and the amount is large, and the bank does not repay after collection, then the bank will still sue and seriously bear criminal responsibility.
Loans overdue can ask relatives for help, or ask friends for help in the future. If the loan owed is not in the credit information system, you can apply for a bank card; Those who have entered the credit information system cannot apply for bank cards. There are two kinds of online loans, one is personal peer-to-peer lending, and the other is commercial peer-to-peer lending. Online loan is a kind of bond investment, with clear income and the lender can get interest.