Zhongyuan Consumer Finance has been overdue for 11 days, and it will happen if I send a text message

1. Pay penalty interest: Zhongyuan Consumer Finance.

Penalty interest needs to be paid for overdue, and the longer the overdue time, the higher the payment fee;

2. Experience collection: Zhongyuan Consumer Finance has no insurance compensation, and no one bears the loss, so the repayer will be urged to repay in time. If necessary, Centaline Consumer Finance may contact the Borrower's close contacts and workplaces, which may disturb the Borrower's life and work;

3. Bad credit: If you can pass the audit of Zhongyuan Consumer Finance, you will report to the Credit Information Center of the People's Bank of China.

Truthfully report personal overdue circumstances, resulting in bad credit records, affecting future credit life;

4. Sued by Zhongyuan Consumer Finance: If the borrower does not repay for too long and the amount is too high, he will be sued by Zhongyuan Consumer Finance. The court will force repayment or repay debts, and if the borrower refuses to execute, he will be placed on a blacklist of dishonesty.

Become a laid-back. In summary, Centaline Consumer Finance will not bear the consequences of paying penalty interest, experiencing collection, and generating bad credit, and even has the risk of being sued by Centaline Consumer Finance.

There are several possible consequences:

1. Economic burden: The penalty interest on online loans is generally calculated on a daily basis, which means that the longer you are in arrears, the higher the penalty interest generated by the final interest rollover, which will bring a heavy financial burden to everyone.

2. Mental pressure: Now online lending institutions have supporting collection methods, in the early stage of arrears may just be sent text messages, hit **, if the debtor has been refusing to repay, if necessary, Zhongyuan Consumer Finance may contact the borrower's close contact person and work unit, disturbing the borrower's normal life and work.

There is no grace period for Centaline Consumer Finance to be overdue.

If there is no grace period, then the user must repay the loan on the repayment date, and if the user fails to repay on time and in full, then Zhongyuan Consumer Finance will be deemed to be overdue by the user.

After the loan of Centaline Consumer Finance is overdue, the overdue arrears should be paid off as soon as possible, so as to reduce the negative impact of the overdue record, so that the personal credit can be restored as soon as possible.

The longer the overdue record exists, the greater the negative impact will be.

Although there is no grace period for Centaline Consumer Finance, users can try to apply for a deferment of repayment after the deadline, and users will have more time to prepare the repayment funds if the extension is successful.

If the negotiation fails, all overdue amounts must be paid off as soon as possible.

Whether there is a grace period for the loan of Centaline Consumer Finance will be stipulated in the loan contract, and the user can know whether there is a grace period for the loan by reading the loan contract carefully.

There is no grace period, and it is important to pay the loan on time.

If you want to query your online loan big data report with one click, there will be important data such as your credit rating score, whether there is a blacklist, etc., as long as you find "Xiaoqi Xincha".

Extended information: What is the difference between SPD consumer reserve and universal fund?

The differences between SPD Consumer Reserve and Universal Fund are as follows.

SPD Consumption Reserve is used for consumption and cannot be withdrawn and transferred, while universal metals can be withdrawn and transferred in cash installments.

The handling fee of the reserve is charged on a regular basis, and the handling fee of the universal fund is divided into a one-time collection and an installment collection.

There is no penalty for the early repayment of the reserve fund, and a certain amount of liquidated damages is required for the early payment of the universal fund.

Therefore, there is a big difference between SPD consumer reserve and universal fund, and by definition, one is a consumer loan and the other is a cash installment.

The customer service got in touch and explained the reason for the overdue, indicating that he was not maliciously overdue, and saved his personal image.

2. Immediate repaymentAfter explaining the relevant situation to the customer service of Zhongyuan Consumer Finance, the loan will be repaid immediately according to the guidance of the other party.

3. Raise money to repay.

Extended Information:1Zhongyuan Consumer Finance is owned by Zhongyuan Bank.

Founded on December 30, 2016, it was officially established on December 30, 2018, serving more than 2 million users, injecting new vitality into the credit market in Henan and even the whole country.

2.As of June 30, 2018, Zhongyuan Consumer Finance, which has been in operation for one and a half years, has accumulated a loan amount of 100 million yuan and a balance of loans.

RMB 100 million, with a cumulative loan of more than 4.28 million and a cumulative operating income.

Reaching RMB 100 million, providing consumer financial services for 10,000 customers.

3.If Centaline Consumer Finance fails to repay the overdue debt within the time limit, the user can choose to negotiate with Centaline Consumer Finance, and after the negotiation is successful, the overdue debt can be repaid in installments. Of course, after submitting the negotiated repayment application, Centaline Consumer Finance will review the user.

Only after the review is approved, the content of the negotiation can be reimbursed. Otherwise, the overdue amount can only be repaid as soon as possible according to the original provisions. In addition, if Centaline Consumer Finance fails to repay its loans overdue, the overdue record will have a greater negative impact.

Please pay off your overdue debt as soon as possible so that your credit check can resume as soon as possible.

4.When the borrower receives the overdue information, he or she needs to contact the lending financial institution in time and inform him of the reason for the overdue. At the same time, it is also necessary to inform the financial institution of the time and method of repayment, so that the repayment amount can be quickly received so as not to affect personal credit.

Normally, if the borrower is overdue, it is recommended to take the initiative to negotiate a settlement, in fact, as a financial institution, the borrower's repayment is the most important thing.

Centaline Consumer Finance.

If you want to apply for a grace period for customer service, one day after the deadline.

Repay the loan immediately, and there will be no impact if the repayment is made within the grace period. The user does not apply for a grace period for repayment, and there will be an overdue record on the credit after the deadline, even if the filial piety is repaid immediately, it will have a negative impact on the credit investigation. Therefore, after Centaline Consumer Finance is overdue, it is best for users to take the initiative to contact customer service.

Of course, one day overdue is a non-malicious overdue, as long as the user pays off the overdue arrears immediately, the negative impact of the overdue record is relatively small.

Extended Materials. Credit Reporting Benefits.

1.Save time.

A lot of the information that the bank needs to know is in your credit report, so you don't have to spend as much time researching and verifying the authenticity of the information you fill in on the loan application form. Therefore, the first benefit of credit investigation is to save you time and help you get borrowings more quickly.

2.Borrowing facilities.

As the saying goes, it's easy to borrow and repay, and it's not difficult to borrow again. If your credit report reflects that you are a person who repays your loans on time and performs your contract conscientiously, the bank will definitely like you, not only can provide credit services such as loans and credit cards, but may also give discounts on the amount and interest rate.

3.Credit alerts.

If your credit report says that you have borrowed money and not repaid it, the bank must be cautious when considering whether to lend you a loan. It is highly likely that the bank will ask you to provide collateral, guarantees, or reduce the loan amount, or increase the interest rate on the loan.

Or refuse to give you a loan. If your credit report shows that you have already borrowed a lot of money, the bank may refuse to lend you again for fear that you are too indebted to take on it. This reminds you to cherish your credit history and consciously accumulate your credit wealth.

4.Fair credit.

Another great benefit of credit reporting is that it helps you get fairer access to credit. What the credit information center provides to the bank is an objective record of your credit history, which allows the facts to speak, reduces the impact of the loan officer's subjective feelings, personal emotions and other factors on the results of your loan credit card application, and allows you to get a fairer credit opportunity.

Zhongyuan Consumer Finance will explode the address book one day after it is overdue, and Henan Zhongyuan Consumer Finance shares ****.

Centaline Consumer Finance Co., Ltd. ("Zhongyuan Consumer Finance Company") was established at the end of 2016 by the China Banking and Insurance Regulatory Commission.

The establishment of a national non-bank financial institution approved by Zhongyuan Bank.

It was jointly funded and established with Shanghai Yiqian Network Information Technology.

Extended information: 1. The legal representative of Henan Zhongyuan Consumer Finance Co., Ltd. is Li Yulin, and the company's business scope includes: issuing personal consumption loans.

Accept deposits from shareholders' domestic subsidiaries and domestic shareholders; borrowing money from domestic financial institutions; Approved issuance of financial bonds; Domestic interbank lending.

consulting and business related to the financial affairs of eliminating noise and friends; ** Selling insurance products related to consumer loans; fixed-income ** investment business; Other businesses approved by the CBRC.

2. Zhongyuan Bank released its 2020 performance report, disclosing the performance of its Zhongyuan Consumer Finance Company, which in 2020, the cumulative lending scale of Zhongyuan Consumer Finance Company exceeded 100 billion yuan and achieved operating income.

was 100 million yuan, an increase from 100 million yuan in the previous year. In recent years, with the withdrawal of a large number of online loans, which has given the regular army room for development, the lending scale of major consumer finance companies has grown rapidly, and the Central Plains consumer finance has benefited from this benefit, realizing the multiplication of lending scale and new customers, and the business has also moved from Henan to the whole country, but Central Plains consumer finance can not escape"Usury.

Violent collection"and other complaints.

3. According to the financial report of Zhongyuan Bank, as of December 31, 2020, the amount of loans of Zhongyuan Consumer Finance Company for the year was RMB 100 million, and the cumulative loan amount was RMB 100 million; During the reporting period, the balance of new loans was RMB100 million, the balance of loans was RMB100 million, the number of loans exceeded 10,000, the cumulative number of loans exceeded 10,000, tens of thousands of new customers were added, and a total of 10,000 customers were provided with consumer financial services.

It is possible to communicate the second staging.

If Zhongyuan Consumer Finance can negotiate repayment, according to the official regulations of Zhongyuan Consumer Finance, users only need to negotiate the repayment with the lending official in a timely manner when they receive a reminder** or text message, and say their repayment plan. Normally, as long as you tell the borrower the repayment time and repayment interest. The official will give a certain grace period.

Note: Zhongyuan Consumer Finance is overdue, if it cannot be handled temporarily, do not put it on hold, be sure to actively communicate with the lender, express your willingness to repay, and explain your actual situation, minimize the impact as much as possible, and then find a way to repay the loan in time.

In order to avoid a series of troubles caused by the overdue loan, the lender needs to take into account his own income when applying for a loan, and the loan must be repaid after all, so as not to leave too much repayment pressure on himself.

Because it is an online loan, the interest is non-stop, and if you don't owe much, you can choose a second installment. If you have a lot of arrears, you can choose to repay flexibly and slowly save the principal to repay. In short, it's not terrible to be in debt, it's terrible not to deal with it actively!

The last repayment date of Centaline Consumer Finance is the statement date.

(subject to change as business changes). It may be that because each person's bill date is different, the last payment date is different for each person. According to Zheng Min of customer service, the repayment day of each month is 6 a.m

00 and 18:00 in the evening will be deducted once.

For example, if Xiao Wang activates the bill function on January 5, the first billing date is February 5, plus 10 days, and the first last repayment date is February 15, then the 5th of each subsequent month is the billing date, and the 15th is the last repayment date.

The final payment date is 20 days after the statement date.

Henan Zhongyuan Consumer Finance Co., Ltd. ****.

Established on December 29, 2016. The legal representative is Li Yulin, and the company's business scope includes: issuing personal consumption loans.

Accept deposits from shareholders' domestic subsidiaries and domestic shareholders; borrowing money from domestic financial institutions; Approved issuance of financial bonds; Domestic interbank lending.

Consumer finance-related consulting and ** business; ** Sales of insurance products related to consumer loans; fixed-income ** investment business; Other businesses approved by the CBRC.

Extended Materials. Henan Zhongyuan Consumer Finance Co., Ltd. (hereinafter referred to as "Zhongyuan Consumer Finance Company") was established at the end of 2016 by the China Banking Regulatory Commission.

will approve the establishment of national non-bank financial institutions.

by Chung Yuan Bank.

It was jointly funded and established with Shanghai Yiqian Network Information Technology Co., Ltd. (a wholly-owned holding company of "CMIG").

On February 9, 2018, Zhongyuan Consumer Finance was approved by the China Banking Regulatory Commission.

Approved the "Reply of Henan Banking Regulatory Bureau on Agreeing to the Change of Registered Capital and Adjustment of Equity Structure of Henan Zhongyuan Consumer Finance Co., Ltd.", the registered capital of the company.

Changed from RMB500 million to RMB800 million.