Hey, what about the 360 overdue accounts

What about the 360 overdue accounts

As you may have noticed, short-term borrowing platforms such as 360 are a good solution to funding needs and are well received. But what should you do if the loan is overdue and the account situation is abnormal

First of all, if your 360 loan account is in an abnormal state, which is an irregular transaction, you are advised to find out the reasons for the 360 loan. If it's a system failure, you have to wait for the system to return to normal. If you are unable to repay the payment, the client will be given an explanation of your situation, which will not normally be taken into account and will not give rise to the penalty。

However, if your account is due to poor credit or a perceived security risk, the status becomes abnormal. In such cases, you should try to maintain good credit behaviour and ensure the security of your accounts。

You might think, would it affect the family's loan if it was over 360? In practice, the borrowing platform does not normally inform other agencies or individuals of the user's overdue records. It means that your overdue status will not directly affect your family's application for a loan. However, once your overdue records are submitted to a credit institution, this will have a negative impact on your personal credit and indirectly affect the family ' s application for a loan。

In order to prevent this, it would be preferable for you to make every effort to avoid overpayment and to engage in timely communication and consultation with the borrowing platform. If you are indeed unable to pay back on time, you should reach an early consensus with the borrowing platform, establish a reasonable repayment plan and pay back overdue amounts as soon as possible. In this way, you can minimize the impact on personal credit records and thus protect family loan applications。