You know, if your loan was overdue, but you chose to chill the call from the loan agency, maybe you thought you'd sort it out. However, contrary to what you believe is true, disregarding the call could have serious consequences。

What happens if you don't pick up the phone

First, the failure to answer the phone may lead to the caller coming directly to the door. Why? Because they'll think you're lost. They couldn't reach you, so they came to you。

And then, if you choose to turn a blind eye to the call, then you're labeled as "a malicious overdue". You'll probably be sued by the loan agency when you're three months behind schedule. Once the defendant is brought before the court, even if you do not want to appear before the court, the court will hand down its judgement, and you will bear the burden of repayment with interest and the costs associated with the proceedings。

And even more troublesome, your behavior could put you on the list of “risk clients” by the lending institution. Your will has caused the lending institution to begin to cast doubt on you and mark you, which means that your subsequent application for a loan to this institution may be “a veto”。

Moreover, do not think that people who don ' t answer the phone will stop, but on the contrary they may increase the frequency of phone calls and cause trouble in your life。

In the end, you have to bear the pressure of a fine. According to the overdue days, you'll have to pay the overdue interest rate. The longer the delay, the more penalty, the greater the pressure on your repayment。

However, it is not a bad time to play mobile phone games and go to social networking sites. There is no clear definition of malicious delay, but normally it exceeds 90 days, or acts such as false data entry may be considered maliciously overdue。

If, then, you simply do not want to answer the call, but the delay is short and there is a willingness to pay back, this cannot be convicted of malicious delay. However, failure to pick up a call may cause some trouble, and if you have an overdue situation, it is suggested that the call be answered, and, of course, it is best to avoid online lending。