Meituan has been overdue for a few days, and now it has been repaid, will it affect the credit inves

Overdue for no more than 90 days will not be counted in the People's Bank of China.

personal credit system, but Meituan will charge interest. However, for the sake of insurance, it is recommended to contact customer service to explain the situation. Meituan's loans can generally only be renewed after they have been fully repaid.

If the overdue time is not long, only three or five days, or within a week, or about 10 days, users can contact Meituan's customer service to explain the situation and see if Meituan can revoke the overdue record. This tutorial applies to the following models: Huawei Mate 40

System version: EMUI software version: Meituan.

Extended Information: Meituan.

Meituan's mission is to "be better together". Founder Wang Xing.

"Common prosperity" is built in Meituan's genes. As a leading e-commerce platform for life services in China, the company owns Meituan Dianping.

There are more than 200 categories such as hotel tourism, movies, leisure and entertainment, and its business covers 2,800 counties, districts and cities across the country.

At present, Meituan's strategy focuses on the food+platform, and is taking "eating" as the core to build the life service industry from the demand side to the supply side.

A multi-level scientific and technological service platform. Meituan is focusing on building itself into a social enterprise, hoping to build itself into a social enterprise by cooperating with party and government departments, universities and research institutes, and mainstream **.

In-depth cooperation between non-profit organizations and ecological partners to build a smart city.

After-sales service guarantee.

Meituan has always followed the consumer first.

First, the merchant.

2. Meituan's third principle has attached great importance to honest management since its inception, and has so far established a complete system to provide consumers with good products, good goods and good services.

1. Meituan is the first company in China to allow consumers to evaluate their consumption after consumption, so that we can find out the problems in consumption in a timely manner.

4. Meituan is the first company to launch a refund of expired coupons, and a one-time refund of tens of millions on the first anniversary of Meituan's establishment. Prior to this, the ** coupon could not be used after expiration, and the money prepaid by the consumer could not be retrieved, which greatly affected the consumer's trust in the ****. In order to solve this problem, Meituan took the lead in launching expired refunds to return the money that should not be taken to consumers.

Expired package refund is Meituan's first in the world, and even Groupon, the originator of ****, has not yet been realized.

5. Meituan has launched a "worry-free" after-sales service plan. The contents include: unconditional refund if you don't consume it after seven days of purchase, free order if you are not satisfied with Meituan, and one-click refund if you don't consume it after expiration.

Meituan Loan is a credit report at the meeting, and it has been connected to the financial database of the Credit Information Center of the People's Bank of China, which means that after the user applies for a Meituan Loan, the loan record and repayment record will be uploaded to the credit information center database.

Under normal circumstances, overdue for no more than 90 days will not be included in the personal credit system of the People's Bank of China, but Meituan will charge interest.

Extended information: 1. Basic information of Meituan Loan.

Meituan Loan refers to Meituan's living expenses, Meituan users need to carry out credit investigation 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. 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.

When a user obtains a Meituan loan limit, they can borrow immediately, and the loan review time is generally a few seconds or more than a dozen seconds due to the different operation speed of each user. As long as the user has a Meituan loan limit, the user can borrow immediately, if the Meituan loan page keeps showing the loan review status, the user may have failed to borrow.

The borrowing amount within the user's available quota needs to be greater than or equal to the minimum borrowing amount and not exceed the maximum single borrowing amount.

When the user's loan application is successfully approved, the funds will be directly transferred to the bank account, which will generally arrive within 2 hours (the fastest 10 seconds will arrive), the user needs to wait patiently, and the specific arrival time is subject to the arrival notice of the receiving bank card.

If the user fails to borrow, it may be because the user's comprehensive situation does not meet the requirements of Meituan's borrowing. To apply for a Meituan loan, you need to authorize Meituan to check the user's personal credit system of the People's Bank of China, and if the user's personal credit history is poor, Meituan Loan will not provide the user with a loan.

Users need to maintain a good credit history and Meituan usage history, and then try to apply for a Meituan loan after a while. Users need to maintain good repayment habits when using Meituan loans, repay on time, and do not overdue.

Generally, as long as you are overdue for a few days, then even if you repay later, then this will also be on the credit report, and the overdue record will be left in your credit report.

Meituan has been overdue for a few days, and now it has been returned, and it will not affect its integrity.

If the Meituan loan application is successful, the loan record will be on the credit report, regardless of whether it is overdue or not. However, there is no grace period for repayment when Meituan borrows money, and as long as it is overdue for one day, the overdue record may be uploaded to the credit report. Users who are worried about the impact of overdue records on personal credit must repay the loan on time.

Some users also said that Meituan's loan was overdue for 3 months before it was on the credit report, which is unfounded. It is possible that the overdue time is short, and the user settles it in time, and the United States has not uploaded the overdue record to the credit report. However, if the overdue time is too long, the overdue record will be on the credit report no matter what.

Extended information: How to negotiate if Meituan can't repay the loan?

If the Meituan loan cannot be repaid, the customer can directly call the financial service ****95172 and negotiate with the customer service staff of the Meituan platform through the manual service channel. First explain your intentions, inform the other party of your inability to repay the loan, provide relevant information to prove that you do not have the ability to repay, do not deliberately fail to repay the debt, and clearly express your sincere intention to repay the loan, and then you can try to apply for an extension of the repayment period and repay the arrears in installments, and the Meituan platform will consider it as appropriate. There is no grace period for Meituan to borrow money, so repayment cannot be delayed.

If the user does not repay on the repayment date, even if the repayment is only one day later, the repayment will be considered overdue. If it is overdue for one day, in addition to the overdue interest, the overdue record may also be on the credit report. At this time, the user should take the initiative to contact Meituan to borrow money, indicating that he is not maliciously overdue, and if the record has not been uploaded to the credit report, it is too late to remedy.

In addition, it is more difficult for users to repay the overdue loan on Meituan loan, and it is more difficult to borrow it in the future. Meituan charges interest on a daily basis, and the daily interest rate of its loan is generally 10,000 yuan, and the interest is 5 yuan a day. If the daily interest rate is converted to the adult interest rate, the interest is within the legal range.

It is about 1 3 days, and it will generally be carried out according to the length of time you are overdue for repayment, if the time is relatively long, you will be punished accordingly, and you may also be on the credit system.

As long as it is overdue for one day, it will be on the credit report, so don't overdue when you borrow money.

After three days of overdue, it will be on the credit report, and it will also have a certain impact on yourself after the credit report, so you should repay the loan immediately.

After the deadline, there will be a grace period of a few days, after which the grace period will be on the credit report. Because Meituan's lending service is a kind of online lending, it is related to personal credit reports.

There is no grace period for repayment of Meituan loans, and if the repayment funds do not arrive before 24 o'clock on the repayment date, the system will treat the user as overdue.

When repaying, in addition to the need to repay the principal and interest payable in the current period, the user also needs to repay the overdue interest, and if the overdue interest is not returned, the system will still be regarded as the user is overdue.

As long as the user pays off the overdue amount as soon as possible, the overdue record will be automatically deleted after 5 years from the date of repayment.

As long as there is an overdue record in the credit report, it will lead to poor personal credit, as for the overdue record produced by one day of overdue, or the overdue record produced by overdue for a long time, the difference between the two is only the difference in the size of the negative impact.

Once overdue, the overdue record will be uploaded to the credit report, and only by paying off the overdue arrears as soon as possible can the personal credit be restored as soon as possible.

To avoid becoming a blacklist for online loans, you should not only pay attention to overdue repayments, but also pay attention to avoid long loans. Through the "Little Seven Letter Check", you can detect your own long borrowing. Long lending mainly refers to recent applications from lenders.

It is advisable to stop all borrowing-related operations within three months to give yourself a reprie. In this way, after three months, the natural risk index will be reduced, and the blacklist can also be eliminated.

Extended Information: Do I Have to Pay Back My Online Loan in Full After It's Overdue?

After the online loan is overdue, if the collection requires that the user must repay the loan in full, then the user must repay the loan according to the collection requirements.

The collection only requires the user to pay off the overdue arrears, and does not require the user to repay in full.

After the online loan is overdue, the overdue record may be uploaded to the credit information of the People's Bank of China, so it is best for the user to pay off the overdue arrears as soon as possible, and try not to choose the minimum or installment repayment.

Meituan's loan is overdue for one day, which will affect the credit investigation. According to the query of China's credit report, banks and third-party payment institutions will consider the time of Zao Jian's repayment record when assessing personal credit records, and Ma Yanwei assesses the credit risk level of borrowers according to their repayment records, and once it is overdue, the credit records will be marked as bad records, which will affect the borrower's credit score and credit history.

Meituan's living expenses are overdue and will be reported for credit three months later. If the overdue time is not long, only three or five days, or within a week, or about 10 days, users can contact Meituan's customer service to explain the situation and see if Meituan can revoke the overdue record.

Consequences of overdue credit card payments:

Ingredient 1: After defaulting on a credit card with high penalty interest, the penalty interest charges usually involved are revolving interest charges and late fees. Revolving credit is essentially a small, unsecured loan with daily interest, and if the loan is not repaid in full on the last repayment date, it will incur revolving credit interest on the next statement, and the interest needs to be calculated from the date of receipt.

Except for ICBC, which implemented a balance penalty interest, the other 12 banks still implemented a full penalty interest. Full penalty interest means that even if the customer repays part of the payment, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at 5/10,000 per day. In addition, some banks stipulate that within 15 days from the date of bookkeeping, the daily interest rate will be calculated at 5/10,000 per day, and if the amount exceeds 30 days or the overdraft amount exceeds the prescribed limit, it will be calculated at 15/10,000 per day.

Ingredient 2: Causing legal disputes, violent credit card collection has become a hot topic, and many bank credit card centers outsource credit card repayment collection to some so-called "debt collection companies", which are of mixed quality and rough debt collection methods, which brings great trouble to customers.

Not only that, but defaulting customers may also face legal disputes. According to the provisions of the Criminal Law, if the bank fails to repay the credit card for maliciously overdrawing more than 5,000 yuan after three months, and the circumstances are serious, the bank may also be investigated for criminal liability for the crime of fraud. For defaulting customers, after entering the judicial process, not only will their reputation be affected, but they will also lose more costs, in addition to paying off the arrears, they also have to bear the litigation costs, which can be said to be even worse.

Consequences three: leave a "credit stain" in the national credit system in 2006 the central bank set up a unified national enterprise and personal credit information basic database, as long as it is in the bank card, loan, will automatically generate their own "credit report" in the system, the report of the "stain" can not be ignored, it will affect the application for all kinds of loans, insurance, job hunting, overseas study, etc., bad records are generally kept abroad for 7 years. In November 2012, the central bank's new version of the personal credit report was launched, and credit cards and loans overdue before October 2009 will no longer be displayed, and the overdue records will be retained for 5 years thereafter. This means that the overdue negative record of the public will no longer accompany the whole life, and if the repayment can be made on time and in full for 5 years, the credit clearance can be repaid.