1. Usually, after the peer-to-peer loan is overdue, he will first remind the user to repay by phone, text message or email; If it has not been paid off, further measures can be taken.
2. After a certain number of days overdue, banks can temporarily freeze credit cards and restrict their use to prevent further accumulation of arrears.
3. If the overdue period exceeds a certain period, the bank may submit the overdue record to the credit reporting agency, which will have a negative impact on the personal credit record.
4. Treatment method:
-Keep abreast of your overdue loans and communicate with creditors to discuss repayment methods and plans.
-Try to repay the loan on time or negotiate with creditors to make a reasonable installment plan.
-If you have the ability, you can give priority to repaying debts with high interest rates to reduce interest expenses.
-normally, we should arrange funds reasonably to avoid overdue again.
Summary: The specific card sealing time depends on the specific situation. Generally speaking, banks will take a series of measures after peer-to-peer lending is overdue, and card sealing may be one of them. In order to avoid card jam and bad credit records, it is necessary to know the overdue situation in time and communicate with creditors, make repayment plans, arrange funds reasonably and avoid overdue again.
Supplementary information: According to the relevant laws and regulations in China, it may constitute a crime that peer-to-peer lending is overdue for more than 90 days, and banks have the right to take further legal measures to recover debts. Therefore, it is suggested to communicate with creditors as soon as possible after the deadline and actively solve the problem in order to safeguard personal credit records and rights and interests.