1, open it directly when it expires;

2. Look at the opportunity to make it clear in person;

3. Borrow money in reverse. After the creditor-debtor relationship occurs, if the debtor delays repayment or even refuses to repay for various reasons, the creditor should find ways to recover the arrears. In practice, we should collect relevant evidence and bring a lawsuit to the court in time to avoid missing the prescription.

For the problem that the debtor has the ability to repay, but refuses to repay, the creditor should keep specific evidence, such as an iou, and bring a lawsuit to the court within the limitation of action if the normal demand for payment is still ineffective. If the creditor procrastinates, the limitation of action expires, and it will be very troublesome to ask for it later.

People's Republic of China (PRC) Civil Code

Article 675

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.