I accidentally clicked on the full settlement of the Meituan loan, but what should I do if I don t h

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

Nowadays, there are so many loan platforms, and if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use the credit service brand of Youqianhua and Du Xiaoman Finance (formerly known as Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

If you don't have the money to pay it all off, then it won't be settled.

Borrowers can take the initiative to negotiate with the Meituan lending platform to apply for a deferment of repayment. and inform the Meituan platform of the individual's follow-up repayment plan.

Non-repayment can have the following consequences:

1. Bear high overdue fees, for overdue fees, different online lending platforms have different names, and the charging standards are also different. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform, in the first stage, just a few days overdue, the platform customer service mm whispered softly and warmly reminded you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

At present, most online lending platforms have not yet accessed the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains.

Fourth, the defendant goes to court, after the loan is overdue for a long time or deliberately does not repay, after the amount exceeds 2000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform, once the court rules that the online loan platform wins the lawsuit, then the borrower has to pay the litigation costs and huge fines of both parties in addition to the money that needs to be repaid, and even faces imprisonment.

Extended Materials. How does Meituan get a loan.

1. Enter Meituan's personal account and update and improve your personal information, the more detailed the better, (this is conducive to increasing the credit line and approval rate);

2. Enter the money borrowing function in Meituan Wallet, carefully read the "Personal Information Use Authorization Letter" and "Personal Credit Investigation Authorization Letter", and authorize them;

3. After completing the authorization, you can get a credit line and successfully open a Meituan loan.

Judging from what we have learned so far, the conditions required to open Meituan to borrow money are:

1. Be over 18 years old, have good personal credit and stable personal income;

2. Be a Meituan user and have a relatively stable consumption record in Meituan;

3. Willing to provide a contact person's information.

1. Take the initiative to contact Meituan's customer service to apply for a postponement of repayment.

The path to apply for Meituan deferred repayment is as follows: open Meituan - click "My" in the lower right corner - enter the personal page Lu Luliang - click "My Wallet" on the page - click "Buy Order" - "Deferred Repayment" on the page, and click to apply for deferred repayment.

1) If the Meituan user does not apply for a deferment of repayment before the repayment date, it will be deemed overdue, and Meituan will charge interest at the daily interest rate if it is overdue.

2) Meituan staff will contact the customer after the user submits the deferred repayment, and the customer needs to explain the reason for the deferred repayment this month and provide supporting materials before the user can accept the user's request for deferred repayment. In addition, Meituan will review the information provided by the customer and only after confirming that the customer's statement is consistent with the facts before granting the customer's request for a deferment of repayment.

Meituan's borrowing is reliable, and the interest on Meituan's borrowing is still relatively high.

Interest on Meituan borrowings is generally charged on a daily basis, and the daily interest rate does not exceed that, and no other fees will be charged. Generally, if you borrow 10,000 yuan from Meituan, the total amount of interest generated per day should be 10,000 yuan.

Extended information: 1. Comparison of Meituan's borrowing money, money to spend, and borrowing interest:

1. Meituan's interest calculation for borrowing money: calculated on a daily basis, the general daily interest rate is. That is, if you borrow 5,000 yuan in Meituan, the interest for 1 day is (5,000 * yuan, 1 month is calculated as 30 days, and the interest for 1 month is 75 yuan.

Of course, this is only a general interest rate, and the specific changes may be subject to change, which should be subject to actual conditions.

2. Borrowing interest algorithm: calculated on a daily basis, the general daily interest rate is, that is, borrowing 5,000 yuan in borrowing, and the interest for 1 day is (5,000 * yuan, 1 month is calculated as 30 days, and the interest for 1 month is 60 yuan.) There are also discrepancies, which should be based on the page display.

3. Calculation of interest on money: calculated on a daily basis, the general daily interest rate is, that is, borrowing 5,000 yuan, and the daily interest is RMB, borrowing money from Meituan. However, the details are subject to the display on the page.

In addition, although Meituan Loan shows the lowest daily interest rate on the "Receiving Limit" interface, not everyone can get such a low interest. In terms of general interest rate comparison, Meituan's borrowing and spending are slightly higher than borrowing.

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2. Is Meituan Loan on the credit report?

1. Meituan Loan refers to Meituan's living expenses, Meituan Travel users need to carry out credit authorization when applying for living expenses, Meituan will decide whether to lend according to the user's credit situation, and after the user successfully applies for a loan, the loan record and repayment record will also be uploaded to the credit information system, so Meituan Loan is on the credit report.

2. If the borrower fails to repay the loan on time and is overdue, Meituan will upload the overdue situation to the credit report, and the borrower's personal credit report will leave a bad record, which will be automatically eliminated after 5 years if the arrears are paid off.

3. How to apply for a Meituan loan.

Here's how to apply for a Meituan loan:

2. Choose to borrow money.

3. Bind a bank card and upload your ID card**.

4. Enter the amount to be borrowed and submit, wait for the review, under normal circumstances, the loan will be released immediately after the review is passed, but the loan amount cannot be higher than the maximum amount set by the system.

Operating environment: brand model: iphone13

First, the front. If you can't repay the 5,000 borrowed from Meituan, you can choose to negotiate with Meituan to repay the loan.

2. Specific analysis.

If the negotiation is successful, the user can repay the loan according to the agreed agreement, and there will be no more collection during this period.

If the negotiation fails, the user must pay off the overdue arrears as soon as possible, at which time they can borrow money from their relatives and friends to repay the arrears of Meituan.

After all, if Meituan's loan is overdue, there will be an overdue record on the credit report, and only by paying off the overdue arrears as soon as possible will the overdue record be deleted as soon as possible.

Before applying for a loan, you can first stare at Hushang: Xiaoqi Xincha, check your credit status, if the credit is not good, slow it down first, and wait until the credit risk score is not high, and the stain is almost non-existent before applying, it is easier to pass.

3. Is there a stable amount of borrowing for Meituan's living expenses?

Meituan's living expenses have a borrowing quota and are not stable.

The borrowing line of Meituan's living expenses is a credit line, and this credit line is not equal to the final borrowing line.

If the user has a borrowing limit, he can submit a loan application, and then the system will review the user's comprehensive credit qualification, and after passing the review, Meituan will arrange the loan.

As for the stage of disbursement, there is an abnormal situation that may lead to the failure of the disbursement.

Therefore, if Meituan has living expenses to borrow, it must submit a loan application, pass the loan review, and finally disburse the loan, so that it can be considered stable.

If the loan is not successful, it is not considered a successful loan.

In addition, Meituan's living expenses loan record is on the credit report, and if the user inquires the loan record of Meituan's living expenses in the credit report, it can also be regarded as stable.

All in all, the amount of Meituan's living expenses does not mean that users can borrow successfully, and whether they can succeed depends on the loan result.

After all, if you pass the loan review, you may also fail to disburse.

1.First of all, the borrower can take the initiative to negotiate with the Meituan lending platform and apply for a deferment of repayment. and inform the Meituan platform of the individual's follow-up repayment plan.

2.The assets in the individual's name are pledged and the proceeds are used to repay the debts borrowed by Meituan.

3.Borrow money from friends and family to make payments.

Late fees will be charged in accordance with the loan contract, and long-term failure to repay will be recorded in personal credit and affect future life.

If you can't do it, you can only find a way to get money, find family, friends and relatives, and the lending company will definitely blow you back regardless of whether you will repay it or not.

Contact customer service to inform why you can't repay the loan, and negotiate the repayment method and repayment amount.

If the Meituan loan needs to be repaid in one lump sum, the user enters the loan homepage on the Meituan platform, selects the loan that needs to be settled from the loan record, and selects the early repayment option to settle it in advance. Everyone needs to pay attention:

1.If the loan that you intend to repay in advance chooses the borrowing and repaying method, then when you run the early settlement, the borrowing interest = the remaining outstanding principal The daily interest rate of the loan actually refers to the number of days of interdermal borrowing.

2.If the loan that you intend to repay in advance chooses the repayment method on time, you also need to pay a penalty for early settlement up to 3% of the remaining principal when you run the early settlement (the normal repayment interest is calculated on a monthly basis, and the monthly interest payable = the total amount of the loan is the monthly rate).

3.If the user uses the revolving quota, the system will initiate the deduction at 7 a.m. and 2 p.m. on the repayment date. If the user is using a single quota, the system will initiate a deduction at 7 o'clock, 12 o'clock, and 22 o'clock on the repayment date. If you want to run the early repayment operation, you can run it before the system automatically deducts the money on the repayment date.

There are two types of Meituan overdue negotiation options:

1. Directly call the manual customer service of Meituan Loan, explain your own situation, and then apply for a three-day extension of repayment. As long as the borrower has a good repayment attitude and has sufficient reasons for deferring repayment, it is still relatively easy to apply for a 3-day deferment of repayment.

2. The borrower directly negotiates with the customer service to extend the repayment period. After the borrower submits the application, the customer service will review and evaluate the borrower based on the reasons given by the borrower and the information provided, and if the assessment is passed, the borrower can successfully extend the repayment period. If the assessment fails, the borrower will have to repay the loan according to the original repayment plan.

What happens if Meituan's loan is overdue?

Meituan's overdue loan will have the following consequences: the overdue record will be uploaded to the credit report, which will lead to personal credit reporting.

Undesirable; Overdue interest will be charged according to the number of days overdue; During the overdue period, the user will encounter SMS and ** collection; In the overdue state, users can no longer use Meituan to borrow money to provide forgiveness and service; Even if you pay off the overdue debt, there is no guarantee that you can continue to use Meituan to borrow money.

Therefore, the consequences of Meituan's overdue loan are more serious, once it is overdue, please pay off the overdue arrears as soon as possible to reduce the negative impact of overdue. It was founded by Wang Xing on March 4, 2010 and is headquartered in Chaoyang District, Beijing.

Meituan's mission is to "be better together". As a leading e-commerce platform for life services in China, the company owns Meituan and Dianping.

Meituan Takeaway and other well-known apps cover more than 200 categories such as catering, takeaway, fresh food retail, taxi-hailing, bicycle sharing, hotel tourism, movies, leisure and entertainment, and its business covers 2,800 counties, districts and cities across the country. In November 2021, Meituan released its financial results for the third quarter of 2021. Meituan's revenue in the third quarter was 100 million yuan, a year-on-year increase.

The market expects 100 million yuan.

2. Meituan's mission is to "help everyone eat better and live better". As a leading e-commerce platform for life services in China, the company has well-known apps such as Meituan, Dianping, and Meituan Takeaway, covering more than 200 categories such as catering, takeaway, fresh retail, taxi, bicycle sharing, hotel tourism, movies, leisure and entertainment, and Yumin's business covers 2,800 counties, districts and cities across the country. At present, Meituan's strategic focus is on "eating" as the core, building the life service industry from the demand side to the supply side.

A multi-level scientific and technological service platform. At the same time, Meituan is focusing on building itself into a social enterprise, hoping to build a smart city through in-depth cooperation with party and government departments, universities and research institutes, mainstream organizations, public welfare organizations, and ecological partners.

Create a better life together.