1. Don’t dare not repay your bank debt

99% of bank loans are reflected in the credit report. A netizen named Qiyue Weiyang 9527 told me, My close relatives owed nearly 400,000 yuan in online loans and credit card loans. The whole family was devastated at the time because they could only put out a deposit of 150,000 yuan, and then borrowed another 130,000 yuan to repay the most urgent part of the loan. , they do not distinguish between banks and online loans. Later, the bank began to collect debts. Because my family members were too talkative and the negotiation was not successful, they repaid the loan of 20,000 yuan every month. Almost all the family's income was used to repay the loan. In the past few months, the repayment was almost complete. Now They pay around 5,000 per month and start to get on the right track in life, but this shadow will always be with everyone in their family.

Mu Xin said: In fact, once bank loans and credit cards are overdue, the interest fees incurred are no lower than some cash loans. However, the bank’s loan records are all reflected in the credit report, so we can only choose one. . In addition, banks do not easily sue for debts they owe. I have two friends who have failed to repay their credit cards and loans. It has been three or four years and they still have nothing to do. At that time, they probably borrowed more than 100,000 yuan to buy a house. Now it has doubled. .

2. Deliberately making people overdue loan sharks

This may be a relatively common phenomenon. This matter was described by a father in a message to me. It was roughly as follows: My daughter borrowed The online IOU (loan loan shark) increased from 700 to more than 30,000, and my father helped pay it off. Not long after, the other party started to collect money again, saying that they had to pay back another 13,000 yuan because it was overdue. The father had no choice but to pay back the money as they said. But two or three days later, he asked them to pay back 5,000 yuan, saying it was overdue again. This father should be a very down-to-earth and kind-hearted person, because he did not have any complaints or insults in his description. He just hopes that relevant departments can take care of such things and not let the flowers of the motherland live under such a sky. , what values ??and outlook on life will you have in the future?

Mu Xin said: To put it bluntly, the IOU is a variant of the previous campus loan, but it has been moved from offline to online. This kind of usury must keep all repayment and transfer records, and you must pay attention to the following points before repaying. Whether the lender information on the third-party platform is consistent with the real-name information on Alipay or WeChat, it is best to pay off the third-party debt directly, so that the other party has no way to collect because there is no record of the debt.

3. Resolutely refuse to repay, scold them for collection

There are many phenomena arising from the wave of online loan supervision. One netizen said: Collection dogs will come and chop them off one by one, and the address book will be exploded. ? I scolded me after I made a phone call, but now no one calls me to collect money; who is my contact person to collect money from? Everyone supports me not to repay, which is useless.