What should I do if it is overdue when I use Suning Wayward Loan?

Hello! Capricious loan is a credit loan product, once overdue, it will affect the credit of the lender, generally the longer the overdue, the more obvious the impact. It is mainly reflected in the impact of overdue-related expenses and personal credit reporting:

1) After the deadline, the platform will charge the overdue related fees on a daily basis in accordance with relevant regulations; (2) Leaving overdue records on personal credit reports, which further affects personal credit records and later loan applications.

It should be reminded that in accordance with Article 16 of the newly promulgated Regulations on the Administration of the Credit Reporting Industry, it is stipulated that:The period for credit reporting establishments to store negative personal information is 5 years from the date on which the negative conduct or incident ends, and where 5 years are exceeded, it shall be deleted.

What this means is that if we don't pay it off on time, or if we have multiple overdue repayments, then these bad records will be hung on our personal credit report for at least 5 years; If it has not been paid off after the deadline, then no matter how long it will be hung on the personal credit report, we apply for housing loans, car loans, credit cards, buy large insurance products, etc., and the problem may be serious It may affect work or family, and finally be entered into the list of dishonesty by major financial institutions or banks. It is worth reminding that there is no problem with credit reporting on consumption records, as long as you repay the loan on time, you can positively improve your personal credit.

So, if there is an overdue date and a bad record, is there a way to eliminate it?

Judging from Article 16 of the Regulations on the Administration of the Credit Reporting IndustryIn order for your bad credit history to be automatically eliminated, there are two prerequisites: first, you must pay off all the previous arrears and penalty interest; The second is to start counting the time after paying off, starting from the date of settlement, and it will be eliminated after 5 years. So if it is overdue, what you have to do is to pay off the bill as soon as possible, don't break the jar, the longer the overdue time, the greater the impact, in case of bad debts, it will be a big trouble!

In this regard, a special reminder - if there is bad information, after paying off the bill, do not close the account immediately, it is better to continue to use it. Although you still have a bad record within 5 years regardless of whether you cancel your account or not, if you continue to use these consumer installment tools and repay them on time, you will be able to accumulate new performance records, slowly repair your credit, and make banks and financial institutions think that you have a positive attitude.

In addition, now some people in the society claim to be able to do credit laundering for you, or give you bad credit records to shovel orders, you must not believe it, so as not to fall into the network**.

If it's overdue, hurry up and pay off the arrears, the more it drags on, the more serious it gets.

The most important thing is to get it back as soon as possible.

Suning Finance's willful loan overdue will produce overdue penalty interest, overdue credit reporting, affecting personal credit history, this is still very serious, so it is recommended that you repay it as soon as possible.

Generally, if the loan is overdue for more than 90 days, that is, about three months, Suning Financial has the right to sue. However, it is not that as soon as the customer's willful loan is overdue for more than three months, Suning Financial will immediately file a lawsuit with the court.

In fact, in practice, Suning Finance will not easily sue, but mainly through text messages, phone calls and other ways to urge customers to repay. Unless the customer has not repaid the payment after many reminders, it is overdue for a long time, the amount of arrears is also large, and the platform cannot even contact anyone, then Suning Financial is likely to sue the customer and achieve the purpose of urging the customer to repay by taking legal means.

And if the customer has been repaying little by little in the overdue process, and has a good answer to the call for the dunning**, then Suning Finance will usually not sue.

Of course, it is not good to be overdue, not only will there be more penalty interest, but also personal credit damage will be more serious, so it is recommended that if customers are unable to pay off the arrears for a while, they can take the initiative to call the customer service of Suning Financial for negotiation, explain the situation of not having the ability to repay, express their sincere thoughts of repayment, and then try to apply for extending the repayment period and repaying the arrears in installments, Suning Finance will consider it as appropriate.

It depends on the amount you are overdue and the specific communication after the overdue. Generally not to prosecute, or to sue so quickly.

If you have the ability to pay it back but don't pay it back, Suning will sue. In the face of Suning's capricious loan overdue for more than two years, if Suning Financial has been unable to contact the customer during this period, and the amount of arrears is large, and the customer has not repaid the loan after repeated reminders, then Suning Financial is likely to sue the customer in court, so as to make the customer repay the arrears through legal channels (in fact, when the loan is overdue for more than three months, the consumer financial institution generally has the right to sue). However, if the customer has been repaying the loan intermittently for two years after the due date, and has also answered Suning Financial's dunning**, Suning Financial will not easily sue the customer.

Of course, it is not a solution to stay overdue, if the arrears cannot be paid off for a while, it is better to take the initiative to contact Suning Financial customer service for negotiation and try to apply for an extension of the repayment period and repay the arrears in installments. As long as the customer can prove that he does not have the ability to repay the loan, and does not deliberately fail to repay the loan on time, Suning Financial will consider it at its discretion. If Suning Financial agrees to the customer's extension application, the customer can negotiate a new repayment plan with Suning Finance, and then repay the arrears according to the new repayment plan.

Extended Materials. 1. The review speed of Suning's capricious loan is extremely fast, and the review can be completed in 3 to 5 minutes, and the withdrawal can be received in 20 seconds at the earliest. In fact, the speed of review is determined by the information you submit, and the number of reviews that the system needs to review at that time.

If the loan is overdue, there will be penalty interest, collection, and there will be a risk of being sued if it is overdue for more than three months.

2. The review speed of Suning Wayward Loan is extremely fast, the review can be completed in 3 to 5 minutes, and the withdrawal can be received in 20 seconds at the earliest. In fact, the speed of review is determined by the information you submit, and the number of reviews that the system needs to review at that time. If the loan is overdue, there will be penalty interest, collection, and there will be a risk of being sued if it is overdue for more than three months.

Will come to the door to collect.

How to deal with violent collection:

1. Take the initiative to negotiate and collect evidence.

Take the initiative to communicate positively with the other party, explain the reasons for the failure to repay in time, indicate the willingness to repay, and agree on the repayment time again. If you encounter a text message or a threat, keep all the evidence on the screenshot, keep the recording of the call, go to the Internet Finance Association to complain, and the manager will call you back to reply.

2. Inform friends and family in advance.

Communicate with friends and family in advance, explain the situation, get their help and understanding, and at the same time relieve your own stress.

3. Ask for help.

When the collector has some threatening behavior, you can call the police in time and ask for help.

4. Filing a lawsuit with the court.

When the collector has committed a serious violation of the law in the process of collection, you can keep the evidence, file a lawsuit with the court, protect yourself through the law, and at the same time, you can demand the compensation due to the collector when you suffer damage.

Debt repayment is a kind of good faith, whether it is violent collection or malicious arrears, it should be severely punished by law. At the right time, we must learn to take up the law to protect ourselves!

Anyway, the interest is too high, it will be frozen just one day after it is overdue, it is really speechless, I still owe thousands and plan not to pay it back, I will freeze it if I repay it, I will not lend it again, and I will be angry when I see it!

Have you not come to collect for so long? Didn't receive a legal letter.

I've been overdue for more than four months, and I don't plan to pay it back at all, and I don't need to pay it back. The interest is so high.

Suning's willful loan will not come to the door when it is overdue, the cost is too high, and only small online loans will be arranged to come to the door. But Suning's credit investigation is very strict.

A valid written notice was issued in advance, claiming that the bank had collected the loan from the other party and set a time limit for the other party to repay the loan, and if the other party failed to repay the bank loan within the time limit, the bank would punish the other party according to "what kind of measures". Therefore, the company requires the sales arrears to be repaid within a certain period of time, otherwise they will be forced to charge additional interest. In this way, it is easy for the general debtor to accept it, making them feel that the company is forced to do it.

Generally, it will not come to the door, the cost is too high, and only small online loans will be arranged to come to the door. But Suning's credit information, your credit is estimated to be wasted.

First of all, it is not advisable to have any loan overdue.

Secondly, the door-to-door visit is generally not, of course, if there is a company they invest in that has a debt collection business in your local area, it is another matter.

Here are the key points to keep in mind –

As long as you're connected to the internetAll your information (personal**, company**, parents, relatives and friends**, home address, ID number, who you have friends around, who you contact more every month, etc.).

It's open and transparent for big Internet companiesSo don't leave anything to chance

- Dividing line ———

Ways to avoid being harassed: Pay the minimum monthly payment

Hello, capricious loan is a credit loan product, once overdue, it will affect the credit of the lender, generally the longer the overdue, the more obvious the impact. It is mainly reflected in the impact of overdue-related expenses and personal credit reporting:

Haven't bought it, so I don't know.