The consequences of Meituan borrowing money that is overdue for 10 days: developing a bad credit record, incurring penalty interest, and being unable to enjoy loan discounts.

1. A bad credit record will affect future loans and credit card applications: Whenever you are overdue the next day, your name will appear in the bank's internal system at the same time, and then the risk control will see it. . After the credit report is overdue, a bad credit record will inevitably be left on the credit report. Once you leave a record that may be retained for 3-7 years, if you want to apply for a loan from another bank in the future, it may not be easy to approve the loan to you due to bad credit.

If the overdue circumstances are serious, future mortgage loans and car loans will be affected. Penalty interest is only a monetary loss, but a bad credit record is a loss of intangible assets, causing an impact that money cannot make up for.

2. Penalty interest will be incurred and an additional 50% interest will be charged: Although the policies of each lending institution are different, in general, banks will be easier to talk to than small loan companies. If a credit loan is overdue, the lending institution will first call to collect the loan to remind the borrower to repay. At the same time, the interest rate will rise as a daily penalty interest.

3. Unable to enjoy loan discounts, or even unable to apply for a loan: When many people applied for a mortgage again, they found that due to carelessness, they had left too many overdue payments on their old mortgages. In addition to the penalty interest for late repayment of the mortgage, you may not be able to obtain the preferential interest rate for the bank's mortgage loan. What's more, it may become impossible to apply for a mortgage loan again.

Meituan will be sued if a loan is overdue for three months

1. Generally, when a Meituan loan is overdue for more than three months, the platform has the right to sue. However, everyone needs to note that in real life, because litigation requires a lot of time and effort, the Meituan platform will not sue easily. It is rare to sue immediately after three months of overdue payment.

2. Unless the customer is really overdue for too long, and the amount of debt owed is not low, and the Meituan platform has not seen any response from the customer for multiple reminders, or even cannot contact anyone, then for To recover the money, the customer may be sued and legal means can be used to get the customer to repay the money as soon as possible.

3. Once a lawsuit is filed, the customer must promptly repay the debt according to the judgment result after the court judgment. If you still refuse to repay, the court is likely to impose enforcement, and the customer may also be included in the list of dishonest persons subject to enforcement.