Does Zhongyuan Consumer need to pay for a credit check? The consequences of overdue are so serious!

; Zhongyuan Consumer Finance is a national non-bank financial institution approved by the China Banking Regulatory Commission. It has two major categories of consumer loan products, one is cash withdrawal and the other is advance payment. Generally, it costs a lot to apply for a money withdrawal if you need money urgently, and there are many modes to choose from. So will there be a credit check when applying for a consumer loan? What will happen if the payment is overdue? Here to answer for you. A large number of platforms are waiting for you!

Does Zhongyuan Consumer need to pay for a credit check? Tiqianhua is a product of Centaline Consumer Finance, and Centaline Consumer Finance is a formally licensed lending institution. Once it is overdue, it will be regularly reported to the central bank for credit reporting, and it will affect personal credit records. Therefore, it is recommended that everyone make repayments on time and in full, and do not cause unnecessary trouble due to overdue payments. If you put a stain on your personal credit report, it will be difficult to borrow money in the future. 1. Once overdue, all types of loan products under Zhongyuan Consumer Finance will stop being available to you, that is, no matter how many loans or types of loan products you apply for, their use will be frozen. 2. If there is overdue payment, a penalty interest will be charged on top of the overdue amount. Don’t underestimate such a small amount. The cumulative penalty interest rate is not low. It will only make your debts increase. 3. Overdue payments will be reported to the central bank’s credit record, which will stain your personal credit and bring serious inconvenience to your life. 4. If there is a malicious overdue situation, you will be charged for collection. If the collection fails, you may be sued and your personal property will be frozen for repayment. Regarding "Does Zhongyuan consumer spend money on credit investigation?" I will introduce it to you here, and introduce to you 4 serious consequences after overdue payment. I hope it will attract everyone's attention. You must repay on time and take care of your credit. . Has anyone got an overdue consumer finance loan from Zhongyuan? My loan is overdue and I want to know what the consequences will be

If you are overdue for an online loan, you will have to bear high overdue fees, your credit will be reviewed and you may be subject to collection.

1. Bear high overdue fees.

For overdue fees, different online loan platforms have different names and charging standards. Whether it’s called overdue penalty interest, overdue management, or other various names, the charging standards are very high. Therefore, if you are able to repay your loan on time, do not overdue it.

2. Accept the platform’s fancy debt collection methods.

Collection collection is generally divided into three stages:

In the first stage, just a few days overdue, the platform customer service MM will whisper and warmly remind you that it is overdue and please pay it back on time. In the second stage, if the payment is overdue for a long time, the platform customer service will give a serious warning, threatening to face serious consequences if the payment is overdue again; in the third stage, if the payment is overdue for a long time, the platform will no longer offer good words and start taking practical actions.

There are many types of practical actions. For example: the platform will push your debt information to your relatives and friends, making you lose face in your circle of friends; the platform will arrange for specialized collection personnel to come to collect collections, and face-to-face communication is required. Account etc. Of course, these are relatively mild. Some platforms outsource debt collection and let specialized debt collection companies handle the debt collection. I believe borrowers are not willing to encounter the "violent debt collection" scandals reported some time ago by debt collection companies.

Extended information

Mr. Xu received a call from a stranger from out of town, asking him to "supervise" his friend to repay the money, and then cursed him. Within a few hours, he was "bombarded" with hundreds of text messages. When Mr. Xu "collapsed", he finally figured out the whole story.

Bombarded by text messages

Asked to urge friends to repay money

Mr. Xu, 35, is from Baoji and has been working in Xi'an for 6 years. At about 1 pm on October 27, he received a strange call from Guiyang. The other party claimed to be a customer service staff of the "Shan Lai Qian" online loan platform, because one of Mr. Xu's Baoji friends, Yang, received a loan from him on October 19. I borrowed 2,600 yuan on the platform, but it is now overdue, so I called Mr. Xu and asked my friend to "supervise" him to repay the money.

Mr. Xu didn’t pay attention at first and casually said that he didn’t know Yang. If he wanted to demand repayment, please contact him.

Unexpectedly, the other party actually yelled: "Where are you saving the money to buy a coffin?" He also said that if the money was not paid back, Mr. Xu's phone would be unavailable.

Will it harm your friends if you don’t pay back the money after the due date? This was the first time Mr. Xu encountered this kind of thing. At first, he thought the other party was just talking. Unexpectedly, in the next few hours, his mobile phone was actually "bombed" by hundreds of text messages.

Most of these numbers are Internet virtual numbers starting with 106 and 116. The numbers belong to different places, including Changsha, Beijing, Yueyang, and Guiyang. They did not stop until about 1 o'clock in the morning the next day. .

Subsequently, Mr. Xu, who was exhausted both physically and mentally, went to Zaoyuan Police Station of Lianhu Branch of Xi’an Public Security Bureau to call the police. After verification, it was learned that the "Shan Lai Qian" online loan platform company is in Beijing, and these text messages were sent through multiple virtual platforms.

Regarding this matter, the police said that there was no good solution for the time being and suggested that Mr. Xu file a complaint through the China Internet Finance Association.

“There are elderly people and children at home, and I dare not turn on my phone when I get home.” Yesterday, Mr. Xu said that when he dialed the number of the “Flash Money” customer service staff from Guiyang again, the other party said that if Mr. Xu could Asking friend Yang to pay back the money will prevent his phone from being harassed.

Reference materials

Baidu Encyclopedia-Online Loan

People's Daily Online-A man whose online loan was overdue was "bombarded" by hundreds of text messages. Zhongyuan Consumer Finance can be overdue How many days does it take to repay?

1. Positive answer

There is no grace period for overdue loans from Zhongyuan Consumer Finance.

2. Specific analysis

If there is no grace period, then the user must repay on the repayment date. If the repayment is not made on time and in full, Zhongyuan Consumer Finance will be regarded as User expired.

After the Zhongyuan Consumer Finance loan is overdue, pay off the overdue debt as soon as possible, so as to reduce the negative impact of the overdue record and allow the personal credit report to be restored as soon as possible.

And the user has not repaid the loan after it is overdue. The longer the overdue record exists, the greater the negative impact will be.

Although there is no grace period in Zhongyuan Consumer Finance, users can try to apply for an extension of repayment after the due date. If the extension is successful, users will have more time to prepare repayment funds.

As for the failure of negotiation, all overdue debts must be paid off as soon as possible.

Whether there is a grace period for Zhongyuan Consumer Finance's loans will be stipulated in the loan contract. If the user reads the loan contract carefully, he or she will know whether the loan has a grace period.

There is no grace period, so be sure to pay back on time.

Online loan big data can reflect the true situation of online loans. If you have too many loans, it is recommended to take a good look at your credit data. Search: Xiaoqixin Check can generate big data reports. Although there are differences between the two, bank loans also pay attention to the big data credit situation in order to avoid personal inability to repay bad debts. Bad credit will affect many aspects of rights.

3. What are the differences between Pudong Development Bank’s consumption reserve fund and universal fund?

The difference between Pudong Development Bank’s consumption reserve fund and universal fund is as follows.

The Pudong Development Bank consumption reserve fund is used for consumption and cannot be withdrawn or transferred. Universal metal is used for cash installments and can be withdrawn and transferred.

The handling fee for reserve funds is charged on a regular basis, while the handling fees for universal funds are divided into one-time collection and installment collection.

No liquidated damages will be charged if the reserve fund is paid off in advance, while a certain amount of liquidated damages will be charged if the universal fund is paid off in advance.

Therefore, there is a big difference between Pudong Development Consumer Reserve Fund and Universal Fund. By definition, one is a consumer loan and the other is a cash installment.