1, leaving a credit stain on the credit investigation.
Even if the loan platform closes down, it does not mean that the debt relationship disappears. Failure to pay back the money will affect the credit information and leave a stain.
2. Collected by the lending institution.
After loans overdue, in order to protect their rights and interests, they will definitely contact the lender by telephone to urge the lender to repay the loan as soon as possible.
3. Generate overdue penalty interest.
There will also be overdue penalty interest after the deadline. The longer the overdue period, the more penalty interest will be generated, which will increase the debt pressure.
Therefore, even if the platform goes bankrupt, it needs to be repaid in time as agreed. If you can't find the repayment entrance, you can try to contact the platform and consult the repayment method. Of course, the formal loan platform will be filed in the local financial department, or you can contact the relevant local departments to consult the debt solution, and there must be no overdue behavior.
By docking third-party big data risk control platforms, such as "Xiaoqi Credit" and Sesame Credit, online loan users can check their credit qualifications. Winnie Hsin has established data cooperation with more than 98% online lending institutions in the market, and the query results are relatively accurate and intuitive, and various index data can be obtained; In most loan platforms, the blacklist data of online loans are shared by * * *, so it is very important to maintain your own online loan credit, otherwise you may lose a good credit record.
Extended data:
Why do many loan platforms close down?
The reason why the loan platform can't pass.
Do not meet the loan age conditions.
I am a college student by profession.
Personal credit is not good.
No stable job and income.
Personal debt ratio is too high.
There is something wrong with big data.
Do not have the ability to repay the principal and interest.
There is a situation of long-term lending.
All the above reasons will cause users to fail to pass the audit of the loan platform.
Most loan platforms are audited by the system. When the user does not meet the loan conditions, the loan application will be rejected soon after submission.