In fact, some of my loan lines are overdue, and I feel very uneasy. Generally, I have clear penalties for overdue behavior. Now my overdue loan will not have these consequences, such as reporting overdue records to the central bank for credit investigation, default interest for liquidated damages, dunning, court prosecution and so on.
Generally speaking, I am an old-fashioned credit platform. I am still tough on users who fail to pay back after the deadline, and I will take legal measures when necessary. Especially in the aspect of credit investigation, once the credit investigation is conducted, it will affect your personal credit in the future and your application for loans and credit cards. So I suggest that everyone must repay on time.