What are the consequences of an overdue 360 IOU?

Overdue is divided into episodes.

Negotiate and repay as soon as possible after the deadline, if it takes a long time, it will have a big impact.

For example, being restricted from spending, being blacklisted, etc.

First: it will affect personal credit, and it may be seriously on the credit report.

Second: blacklisted.

Third, it has an impact on life, such as restricting consumption.

The consequences of overdue are more serious, mainly depending on whether the platform is connected to the credit investigation.

Access to credit will have a great impact on future life.

If there is no access to credit information, it will have little impact.

If it is overdue, contact the other party as soon as possible for follow-up negotiation.

If it is just overdue, the negotiation generally does not affect the credit investigation.

If you ignore this matter for a long time, it will be more troublesome.

So I personally think that this kind of problem should be solved as soon as possible, and there should be no procrastination.

It depends on the length of time and the severity of the overdue.

If you just forget it for a while, it will have a certain impact, but if you return it in time, it will not have much impact.

If it is overdue for a long time, it will have a large adverse effect.

It's hard to say.

If it doesn't take long to make up for it, it won't have much impact.

If you don't respond for a long time, it may have a big impact, such as being blacklisted.

After the credit is on the credit report, the impact is greater, if there is no credit on the credit report, try to negotiate.

There is no good way to negotiate and repay the loan as soon as possible.

Credit reporting has the following effects on individuals:

1. Affect the loan, if there is a bad credit record, the loan amount in the bank will be reduced, and even if the loan cannot be paid, even the credit card can not be handled;

2. Affect travel, if there is a bad credit record, the previous overdue repayment will be included in the credit system, and personal travel will also be affected. For example, you can't take planes, trains, etc.;

3. Affecting employment, the company will conduct a background check on employees before entering the company, and if a bad credit record is found, it is very likely that there will be no way to enter the company;

4. Affect the family, in addition to having an impact on yourself, a bad credit record also has a certain impact on the family, for example, if a person between the husband and wife has a bad credit record, then the other person wants to take out a loan to buy a house and a car, and will also be rejected.

The following situations can occur when a 360 IOU is seriously overdue:

1. Received a reminder of 360 IOUs** and a reminder letter.

If the repayment is overdue for a long time, the customer service of the 360 platform will first issue a serious warning to tell you the serious consequences of overdue; Then there may be practical actions, such as door-to-door collection, contacting your usual contacts, etc., which will bring a lot of trouble to your life.

2. Bear high overdue fees.

If the loan is not repaid on time, the platform will charge a certain amount of overdue penalty interest according to a certain standard starting from the day of overdue in accordance with the loan contract, and the penalty interest is very high, and the overdue is doomed to high interest.

3. Personal credit history will be affected.

At present, China's credit system is constantly establishing and improving, once a bad personal credit record is generated, 360 IOU will upload the borrower's overdue repayment information to the credit system, which will affect the loan to buy a house and a car in the future.

4. Facing the risk of being sent off.

In order to recover the loan, the platform may choose to come to court to recover the loan from you. You'll need to pay both sides of the litigation costs and hefty fines. If the debtor fails to perform the court judgment within the performance period, the creditor can apply to the court for enforcement.

When the court accepts the enforcement, it will inquire about the real estate, vehicles, ** and deposits in the debtor's name in accordance with the law.

The correct way to deal with a 360 IOU after it is overdue is:

1. Communicate with the customer service staff of 360 IOU to apply for a repayment extension, or reformulate the repayment plan to alleviate the current repayment pressure.

2. Raise repayment funds as soon as possible, ask your relatives and friends for help, or cash out things you don't use for the time being. Pay off the arrears as soon as possible.

3. People who really can't raise funds to repay in a short period of time can only wait until the overdue repayment is overdue, but don't fail to repay. If the repayment is overdue, the bad record will be automatically eliminated after 5 years. In general, 360 IOUs will not be on the credit report, which has a great negative impact and must be avoided as much as possible.

The overdue 360 IOU will also affect the user's online black index score, if the online black index score is too low. The score standard of the Internet Black Index is 0-100 points, the higher the score, the better the credit, and when the score is lower than 40 points, it belongs to the online loan blacklist. A low score on the Internet Black Index will not only affect the success rate of online loans, but also affect the user's Huabei and borrowing quotas, and even cause Huabei and borrowing to be closed.

The impact of the online loan blacklist on individuals is that it is difficult to apply for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Just search: Quick Card Test. Click to query, find this applet in the micro, enter the information to query your own Baixing credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

Now many Internet companies have launched their own financial products, such as 360 group's 360, many people still think that 360 IOUs are fake, a black platform that specializes in defrauding people of money, in fact, this is a real mouth, the maximum amount is 200,000 yuan, so how will the 360 IOU be overdue, from the day of overdue, 360 IOU will charge an additional 50% penalty interest rate of the agreed interest rate every day, and compound interest will be charged according to the interest rate standard of penalty interest for overdue interest until the borrower pays it off. 360 overdue penalty interest is charged according to the following formula: overdue penalty interest = overdue principal * daily comprehensive rate * 50% * overdue days, for example:

If you borrow 1,000 yuan and the interest rate is 5/10,000 per day, then, in addition to the interest fee of RMB per day, a penalty interest of RMB 2.5 per day will be charged, in addition, compound interest will be charged.

Hurry up and return it! The key is to also go on the credit report.

The question is mainly communicated, and if you have difficulties, you can pay it back next month.

The question of mine is installment, every time ** calls, the intelligent customer service says that my is in installments, every ** calls is the intelligent customer service that says the words are not solved by contacting you?

You'll want to contact a human to talk.

Otherwise, the interest rate will be frighteningly high.

Ask what to do.

360 IOU, what happens if it is not returned?

Answer: Generally speaking, since you have taken out a loan before, you must have been short of money. And in the past two years, because of the epidemic, everyone's income has indeed decreased. Your situation is understandable.

But when it comes to loans, from a legal point of view, you are always responsible for repaying. Even if you can't pay off the overdue amount at the moment, or you can't pay off the overdue amount requested by the other party, you need to at least make an attitude of being willing to repay it to the other party.

After all, if the other party is sure that you are not ready to repay the money at all, they can choose to go to court to sue you for this loan, because you have a contract on your side, so the possibility of the other party winning the lawsuit is very high. You'll have to pay it back, which wastes time and ends up the same. Rather than going to the court in the end, it is better to communicate with the other party as soon as possible when there is still a negotiation.

If you go to negotiate, you can talk about your situation first, and say that you are willing to pay it back, but you can't come up with the money at present. Negotiate a repayment plan with the other person and pay back a portion of it each month if you can afford it.

In this way, you can not only avoid being collected or sued by the online loan company, but also better arrange repayment on your side.

Question: What if I am disabled and unable to pay it back?

Answer: Because you do have a situation where you are sued and lose the lawsuit because of the non-repayment of the loan, usually the most direct impact is that you will be required to repay the principal and interest of the loan and other expenses incurred thereby, in addition to legal costs, etc. (this mainly depends on the contract).

If you do not repay the loan after the court judgment, the other party can apply for enforcement, and if you have no other property that can be enforced by the court, you will be on the credit blacklist.

Q: What happens if I get on the credit blacklist?

The restrictions on answering the question of judgment defaulters are still relatively many years: 1. Judgment defaulters are not allowed to take airplanes, train soft sleepers, and second-class or higher cabins on ships; 2. Untrustworthy persons must not take all seats on G-prefix EMU trains, first-class or higher seats on other EMU trains, etc. 3. The children of untrustworthy persons cannot attend high-fee private schools.

Generally speaking, overdue online loans will only affect you. However, if the other party comes to the house to collect or block the door, it is not good for your family life.

If the loan is overdue, you must repay it quickly, otherwise the credit report will be ugly, and the interest will be more and more.

360 IOU is overdue, will 360 sue me directly.

It will collect from you first.

Questions and answers. Well, it is recommended that you pay it off as much as possible, otherwise you will continue to pay high interestQuestionNow that 360 has sued me, what should I do nowAnswerUnder normal circumstances, as long as the borrower negotiates with the 360 IOU and pays off the arrears, the 360 IOU will withdraw the lawsuit, after all, the 360 IOU lawsuit is just to let the borrower repay.

Question: Okay, thank you.

360 IOU is reliable, I applied for a 360 account last year, made a loan, the review was very fast, it arrived in one day, and then there was no overcharge or anything like that when the interest was repaid, I felt that the borrowing experience was quite good.

The law allows 360 IOUs to be listed, which must be formal and legal, and it is different from P2P, 360 IOUs are loan assistance models, and the borrowing funds mainly come from large financial institutions such as Industrial and Commercial Bank of China, so the funds are compliant, if your credit is fine, and then use it in strict accordance with the repayment regulations, there will definitely be no problems, so you can use it with confidence.

After the borrower finds that he is overdue on the 360 IOU, he must first deposit the arrears into the repayment account as soon as possible, and then contact the platform to explain the overdue situation to the staff and ask the staff to help pay off the arrears. After waiting for the system to successfully transfer the arrears, the borrower can call the customer service again, explain the overdue situation to the staff again, and provide various information in time to prove that he is not maliciously overdue, and ask the platform to forgive the overdue behavior.

There is no problem with 360 IOUs, but when borrowing, you should look at which form it is, such as installment repayment, borrowing and repaying, and depending on the specific borrowing time, such as three months, six months, and twelve months.

360 IOUs are OK, I have a limit of 50,000 yuan, interest, and relevant information will be provided when applying, as long as you look carefully, it will be clear.

The amount of 360 IOUs has a lot to do with personal credit, under normal circumstances, there is no problem with credit information, there is a certain amount, generally between one or two thousand, if there is a mortgage, car loan and good repayment record, you will think that you have a good ability to repay and willingness to repay, and will give a higher amount.

I borrowed it when the capital turnover was not open, and it was safe, reliable, convenient and fast. Its service is purely online application, no collateral is required, the application materials are simple, early repayment can be made, and the amount of recurring loan can be restored after repayment.

Formal online loans are guaranteed to a certain extent, it is recommended that you choose some well-known online loan platforms to avoid being deceived, and the formal online loan platforms will not charge you any fees before lending.

360 IOU is an Internet consumer credit product launched by 360 Financial Group in September 2016, based on 360 big data to evaluate the user's credit as a whole, and the fastest credit consumer loan can be received in 5 minutes. If you're not sure about 360 IOUs, you have to trust 360 anyway.

The limit of 360 IOUs needs to be maintained, similar to the limit of credit cards, maintain a good repayment record, and use it regularly, which can make your borrowing limit higher and higher, and the interest rate will be lower and lower.

Before borrowing, you must first determine whether you have the ability to repay, and lend the corresponding money according to your ability.

I wouldn't choose an online loan if it wasn't necessary, although I know that many platforms are credible, but I always feel weird, maybe I don't like to owe money.