All debts should be paid in time. If they are overdue, you should actively communicate when dealing with the collection. Otherwise, the daily call will seriously affect your daily life, and even you will find your unit and contact your relatives and friends. Overdue credit cards can be repaid in installments, or they can be repaid by swiping the card backwards. In other words, the newly repaid money is brushed out again, which only delays the repayment time and is of little help to the actual repayment. And if this kind of operation is frequent, it will be monitored by the banking system. So it is only suitable for emergency. In view of the overdue online loan platform, you can communicate directly with the person in charge of the online loan platform without negotiating with the collection, and try your best to stop the interest and protect the capital, so as not to form a lot of interest and reduce the pressure.