“貸款到期不還會(huì)被算作逾期,逾期會(huì)被放款方催收債務(wù)以及產(chǎn)生按日計(jì)息的罰息,如果放貸方的系統(tǒng)與征信系統(tǒng)對(duì)接,還會(huì)被系統(tǒng)記錄逾期行為并且上報(bào)征信影響還款人個(gè)人信譽(yù),此外,如果用戶長(zhǎng)期惡意逾期不還,還可能會(huì)被放貸方直接起訴?！?/p>