First of all, overdue will affect your credit information according to the length of time. Serious overdue (more than 90 days) credit information is a black account, and you can't apply for any loan business before you pay it off. Secondly, overdue will generate additional expenses such as liquidated damages and overdue interest. It is nothing new that the final interest is longer than the principal for a long time. Please be careful. Generally, loans overdue time exceeding 90 days will be regarded as malicious overdue, and the lending institution has the right to sue the borrower, but the specific time depends on the decision of the lending company. If you don't want to be sued, you must contact the lending institution in time to explain the situation and negotiate to solve the overdue problem.

2. Default interest on the repayment date set based on the user's application: the default interest is calculated from the fourth day after the customer is overdue, which is equal to the overdue principal of the current period *0.0986%* overdue days, and submitted to the Credit Information Center of the People's Bank of China. First, if it is overdue, it will affect your credit information according to the length of time. Serious overdue (more than 90 days) is a black account, and no loan business can be handled before the overdue. Secondly, if it is overdue, there will be a penalty interest.

Second, third, don't be afraid to confess to your family after the online loan is overdue. Don't torture yourself for so-called face. Few people really care about you, only family members don't give up on you. Be sure to find a job and go to work with peace of mind. Keep a clear head, resist the pressure and fill the hole in debt with the money you earn. Pay it back with all your strength. If your loans overdue doesn't reply, try your best to repay it. For example, formal lending institutions such as JD.COM Bai Jie and Baitiao. If some lending institutions are not sure whether to apply for credit information, they can go to the Credit Information Center of the People's Bank of China to check their credit information records. Negotiate repayment You can try to negotiate repayment with the lending institution, provided that you have the money to repay the principal. When the lending platform negotiates, the attitude should be sincere, indicating that it is not intentional not to pay back the money, and the principal has been collected, but the interest is too high to pay back. If it exceeds the statutory interest, it may not be repaid. According to national regulations, the annual interest rate of loans shall not exceed 36%. If the interest of the lending institution exceeds 36%, you can negotiate with them directly, and only pay the legal interest, and don't pay the excess. Put an end to bad behaviors such as gambling, excessive consumption, and raising loans with loans. Never do these things, or you will never "give up" after the deadline.