The consequences of not repaying the installment immediately, that is, what will happen if the insta

If you do not ensure that the payment arrives before the repayment date (including the day) in time, it will be overdue, and overdue will result in late fees, and affect the credit history in the bank, it is recommended to repay as soon as possible to avoid affecting personal credit! If you still don't make the payment, you may be prosecuted.

How late payment interest is calculated:

1. If there is an agreement in the contract on overdue repayment interest, the overdue repayment interest shall be calculated in accordance with the contract. The parties may agree in the contract on liquidated damages for late payment, or agree on the calculation of interest on late payment.

2. If there is no agreement on overdue payment interest in the contract, and the two parties cannot reach an agreement through negotiation, they may file a lawsuit with the people's court to define it. The people's court may calculate liquidated damages for overdue payment with reference to the standards set by the People's Bank of China for financial institutions to charge interest on overdue loans.

For Ant Huabei's repayment, you can click Repay in installments immediately. Follow the prompts on the page to repay the loan, and you can choose the repayment mode you want. If you have money in your balance, balance treasure or bound debit card, you can also automatically deduct the money for repayment.

If you don't pay it off in time, you will need to pay a penalty. The overdue time is short, as long as you pay late fees and interest, etc., but if it is more than 3 months, it will be collected, and you will be called ** or text all day long until it is paid off.

In the case of ineffective collection, even if there is an installment, it will be reported to the People's Bank of China, so that your personal credit will be tainted, so that you will definitely be useless if you want to apply for a loan in the future, especially a bank loan, and the card application will also be hindered. If you become an old man, you will be restricted from traveling, causing great trouble!

Personal credit is blocked.

Get a credit card and take care of everything.

That is, the consequences of non-repayment in installments are as follows:

1. Poor credit history, resulting in low credit evaluation, will become a credit stain, bad credit will be uploaded to the personal credit system of the People's Bank of China, there will be stains on various systems across the country, and it will be impossible to apply for credit cards or loans in the future;

2. If the number is huge, the bank will sue for repayment, and if it does not repay, the court will force the repayment;

3. If you use a credit card to pay in installments, the bank will accumulate late fees, so you need to repay more and more money;

4. When a certain limit is reached, the card owner will be notified;

5. If you still owe money, you will be notified to your family and friends, and then you will report to the police and sue.

The installment payment of the mobile phone has reached the due date of repayment and cannot be postponed for one week. The details are as follows:

1. If it is not overdue during the grace period, if there is no grace period, the overdue interest and late fee will be calculated directly;

2. The late fee is 5% of the arrears, and the interest is calculated at the daily interest rate of 5/10,000;

3. Call the credit card center or bank to explain the situation;

4. If it is overdue once, it will be repaid immediately in a short period of time, and it will not have any impact on the credit history;

5. It has a certain impact on the application for quota increase, and the amount of quota increase will be slightly reduced;

6. It has a certain impact on the loan;

7. Overdue for more than 60 days will be recorded in the personal credit record;

8. Overdue for more than 90 days is recorded as bad credit.

In accordance with the relevant laws and regulations, in any of the following circumstances, where credit card fraud is carried out, and the amount is relatively large, a sentence of up to five years imprisonment or short-term detention is to be given, and a concurrent fine of between 20,000 and 200,000 RMB is to be given; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property is to be given

1. Using a fake credit card;

2. Using an invalid credit card;

3. Fraudulently using another person's credit card;

4. Malicious overdraft.

That is, after the installment does not repay, the platform will collect, at the beginning will call the borrower's mobile phone number, and then will call the ** number in the address book, which will seriously affect the normal life of the individual, so after borrowing, you must repay on time without overdue, and you can apply for an extension in the case of inability to repay.

That is, after the installment is not repaid, the overdue record will also be uploaded to the credit information center, and it is impossible to apply for a loan again after the personal credit becomes bad. The key is that applying for a loan from the bank after bad credit will also be rejected, and users will be affected when they apply for a loan to buy a car or buy a house in the future, which has a very big impact.

That is, there will be penalty interest after not repaying in installments, and the longer the time, the more penalty interest will be generated, which will increase the burden of repayment, so the most important thing is to repay on time after borrowing, and under the premise of no repayment ability, the borrower can negotiate with the platform to achieve the purpose of deferring repayment, which can effectively avoid overdue.

In fact, when using instant installment loans, the first thing to think about is how to repay, if there is no good repayment plan, then the borrower should be cautious about borrowing to avoid the situation that the loan cannot be repaid on time in the later stage. Also, don't borrow too much when borrowing, after all, every money borrowed will generate interest, and the more you borrow, the more interest you will generate.

In case of overdue or non-repayment of arrears, the borrower will not only face overdue interest and be collected by the lending institution, but also affect personal credit reporting, and if the situation is serious, he may be sued by the lending institution, and it is recommended to repay the loan in time.

Mobile phone installment payment is actually to borrow enough mobile phone from the bank first and then repay the installment payment, if not repaid will lead to:

1. Late fees and penalty interest will be incurred, and the installment business will be terminated if the time is too long. Previous purchases are treated as late repayments, which will incur late fees and penalty interest, and negative information such as late repayments will be recorded in the individual's credit report.

2. Negative information such as overdue repayment is not recorded in the individual's credit report forever, and China's current credit record is maintained for five years. After paying off the balance on their credit card, anyone can start over building their credit history and start all over again.

3. Whether it constitutes a criminal offense and whether it will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.

4. If the principal amount of the arrears reaches more than 10,000 yuan and is not returned for more than 3 months after being collected twice by the card-issuing bank, it shall be found to be a "malicious overdraft" under the Criminal Law, and if it is suspected of the crime of credit card fraud, it shall be sentenced to fixed-term imprisonment of not more than five years or short-term detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan.

5. Where the amount of malicious overdraft is relatively large, and the interest on the overdraft has been repaid in full before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be pursued in accordance with law.

Chapter IX of the Civil Procedure Law of the People's Republic of China on Preservation and Advance Enforcement.

Article 100:In cases where it might be difficult to enforce a judgment or cause other harm to a party due to the conduct of one of the parties or other reasons, the people's courts may, upon the application of the opposing party, rule to preserve their assets, order them to perform certain acts, or prohibit them from doing certain acts; Where the parties do not submit an application, the people's court may also rule to adopt preservation measures when necessary.

The people's court may order the applicant to provide a guarantee when taking preservation measures, and if the applicant does not provide a guarantee, rule to reject the application.

After the people's court accepts the application, it must make a ruling within 48 hours if the situation is urgent; Where a ruling is made to employ preservation measures, enforcement shall begin immediately.

General Principles of the Civil Law of the People's Republic of China

Article 108 Debts shall be repaid. If it is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. and where they have the ability to repay and refuse to repay, the people's court is to make a judgment to compel repayment.

The consequences will be very serious and serious, he will master more and more, more and more mastery, if you don't pay it back for a long time, the interest may be very high, and the interest may be more expensive than the mobile phone itself, so if you can pay it back, you will try to pay it back, this is absolutely impossible to escape.

If the credit is damaged, if you have money, try to deal with it, and don't lose a big one because of a small one.

Installments will not be reported on the credit report.

It will affect your loan or normal spending later.

If you have money, try to pay it back, and you won't be pulled into the credit blacklist.

Hello, you can go and see if there is a record on the credit report If there is no record, the flower will not be on the credit report, but you will be collected by the collection company.

Three years ago, I was deceived into it, and the mobile phone store did an installment payment mobile phone, and now I immediately consumer finance said that I was a malicious fraud, what should I do.

Generally speaking, there is no penalty for the overdue user loan, after all, it is a civil case, but it is necessary to bear the relevant consequences of dishonesty.

However, if there is clear evidence that the user is a malicious fraud, such as making false information from the time of application, making up his mind not to repay it subjectively, directly changing the number after borrowing and losing contact, etc., in the case of a large overdue amount and a large impact, it may be judged as a loan fraud and sentenced.

In order to maintain a good credit record, we should also pay attention to our own online loan big data in a timely manner.

Extended Information: Will I go to court to sue you if the installment is overdue?

Yes. Although many platforms will not choose to sue users directly after they have expired, it does not mean that they will not do so.

This is because the process of prosecution is more troublesome, and the payment may not meet expectations, so many platforms are basically **, SMS collection.

Once the user is overdue for more than 90 days, and has a poor repayment attitude, often loses contact or does not contact**, then the platform is likely to sue him, and the negative impact of being listed as a dishonest person subject to execution after the prosecution is very serious.

In the event of non-repayment of the arrears in installments, the borrower will not only face overdue interest and be collected by the lending institution, but also affect the personal credit investigation, and in serious cases, may be sued by the lending institution.

Loans are often used in people's lives now, and there are many types of loans, usually divided into mortgage loans and credit loans, and there are many ways to borrow loans, in addition to common bank loans, there are local microfinance companies, but loans are also accompanied by risks, and borrowers need to measure their own economic ability to choose. According to the regulations, the lender's overdue loan repayment will be recorded in the credit history and will seriously affect the personal creditworthiness, and the serious overdue record will affect the application for loans and other businesses involving personal credit history.

What is the impact if you don't repay the loan:

1. Leave a bad credit record. If the loan is overdue or not repaid, the most obvious impact is that the personal credit will be "stained", and if you want to refinance or apply for a credit card in the future, you will be affected by it.

2. Penalty interest is generated. In addition to leaving a bad credit record, there will also be penalty interest, and the penalty interest amount is large, such as 130% after the student loan is overdue.

Therefore, in order to avoid unnecessary trouble, it is recommended that you develop good repayment habits, and if you really encounter problems in repayment, remember to negotiate and solve them.