1. Is it true to help deal with overdue companies?
Companies that can handle loans overdue are real. As long as it is within the scope permitted by law, legally established institutions are formal and legal. Loans overdue needs the borrower to explain the situation to the bank first, and then the bank will issue a certificate and submit it to the head office for evaluation before handling it. In this process, the professional treatment of overdue companies should follow the process rather than take illegal measures.
2. What are the consequences of overdue credit cards?
1. If it is overdue, penalty interest will be added.
No matter what kind of online loan is applied for, once the repayment is overdue, the lending institution will not only inform the borrower to repay in time, but also charge a penalty interest (some products also have liquidated damages) according to the corresponding standards.
Take JD.COM White Bar as an example. If you don't pay in installments, you can enjoy a 30-day interest-free period, and normal repayment will not generate any fees. If the installment is handled, the installment fee will be charged at the monthly interest rate of 0.5%/ month, and if the repayment is not made after repeated reminders, the penalty will be charged at the daily interest rate of 0.03% (that is, three ten thousandths).
Like Bai Hua, once the repayment is overdue, the default interest will be charged at the daily interest rate of 0.05% or the loan interest rate will rise by 50%. The longer the time, the more penalty interest. The penalty interest will roll up, which is very scary.
2. Overdue records are recorded in credit information.
Although the application for flowers, borrowings and IOUs mainly refers to the sesame credit score and the third-party credit score of the parties. Only when the credit score reaches the standard can you apply. However, once overdue, it may be reported to the central bank's credit information system, such as Alipay. Although many online loans have not yet been connected to the credit information system, it may not be long before they are connected to the credit information system.
3, will be a variety of collections.
If the borrower fails to repay the loan within the time limit, the lender will go through the collection procedures in order to recover the arrears, such as SMS collection, telephone collection, door-to-door collection and so on. At that time, not only will your life be affected, but if you leave emergency contact information or read the address book, then the relatives and friends of the parties will also be harassed by various collection calls.
4. Will be blacklisted by the bank.
People blacklisted by banks will not be able to take planes, high-speed trains, accommodation, etc. More seriously, children will not be able to go to key schools; There will be more punishments in the future, so it can be said that life is hard.
5, will be sued by the court to seal up the collateral.
If you don't pay for more than three months, it will be very serious. If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.
Third, how to deal with the overdue credit card becoming a bad debt?
If the credit card becomes a bad debt after the user forgets to pay the annual fee, the user can negotiate with the bank and ask the bank to cancel the bad record after paying the annual fee in full. General banks will consider it as appropriate.
If the repayment is overdue because the repayment is not timely, you must negotiate with the bank with sincerity and clear goals. When negotiating with the bank, the repayment person should keep a good attitude and truthfully explain to the bank staff the reasons for his overdue and strong repayment will.
In addition, the borrower may borrow some other online loans to repay the loan after the deadline, which has caused the situation of raising loans with loans and getting deeper and deeper. Borrowers can ask their families or friends for help first to solve their urgent needs as soon as possible.
4. What if the credit card door-to-door service fails?
1, negotiate with the visiting collection staff, and turn on the mobile phone recording at the same time. If the credit card is repaid monthly after it is overdue, the repayment data can be displayed to the collection personnel;
2. Call the customer service staff of the issuing bank to negotiate and ask to stop the collection;
3. Pay back the money to the card every month to let the bank know that it is only temporarily unable to repay, but willing to repay. To sum up, if there is no credit card collection at home, you should also show a positive willingness to repay, and you can repay part of the arrears first, so as long as it is not maliciously overdue and the principal of the arrears is below 50,000 yuan, it does not constitute the crime of credit card fraud, and you can avoid being caught and punished.
If the credit card is overdue or the online loan is overdue, it will be collected by the credit card center or the online loan platform. If the cardholder doesn't have much experience in dealing with overdue cases, he can choose professionals to help him solve the repayment problem, but he must pay attention to distinguish the company's qualifications and avoid fraud.