Xiaomi Suixingyi can negotiate repayment, but it is difficult to negotiate successfully. Negotiated repayment generally refers to the bank's credit card business. When the cardholder's debt bill exceeds his or her ability to bear and is overdue for more than 3 months, the cardholder can negotiate with the bank for repayment.

1. What should I do if my Xiaomi Suixing loan is overdue?

Xiaomi Suixing Loan is overdue. Users should pay off the overdue balance as soon as possible, which can reduce the negative impact of overdue records. If you do not have enough repayment ability, you need to actively contact Xiaomi Suixing to apply for an extension of repayment or negotiate repayment. As long as the application is successful, you can repay according to the negotiated content. Since the Xiaomi Suixing loan will have an overdue record on the credit report after it is overdue, it is best for users to choose to repay on time. As for the overdue loan, you need to repay it as soon as possible to make up for it. If the overdue period is short and the overdue debt is paid off in time, you can ask Xiaomi Suixingren not to upload overdue records.

2. Is there a credit reference for a Xiaomi loan?

Whether a Xiaomi loan is subject to a credit reference actually depends on the lender. If it is a bank or a consumer financial institution, it will The credit report is up. Judging from some lenders of Xiaomi Loan, it is said that Chongqing Xiaomi Small Loan is not on the credit report. The details will be determined in the loan details. Therefore, when applying for a Xiaomi loan, you can first check the fund provider. If it is a bank, then you must go to the credit report. Do not make late repayments, as the credit report will leave a bad record.

3. Is Xiaomi Loan a formal loan platform? Is it reliable?

1. Xiaomi Loan (now renamed Xiaomi Suixing Loan) is a credit service under Tianxing Financial (formerly Xiaomi Finance). It is a pure credit, unsecured loan product. Xiaomi Suixing provides users with convenient and fast services based on its mature big data risk control system and business scale. The main services cover personal consumption credit loans, consumer installment loans, small and micro enterprise business loans, etc., which are unsecured, purely online, and fast. Users can make simple operations through the App and lend money in as little as one minute. It has the characteristics of saving money, fast, easy to use and safe.

2. Xiaomi Suixingjie has a formal financial qualification license and is a legal licensed institution. Xiaomi Suixing strictly abides by the requirements of national regulatory policies and does not charge any fees that are illegal or inconsistent with national policies or requirements. Moreover, Xiaomi Suixing Loan only requires online application without any mortgage. The application materials are simple, the approval is fast, the loan can be released in as fast as 1 minute, the loan can be repaid at any time, and the Suixing loan limit can be recycled.

3. Xiaomi Suixing Borrow also provides two repayment methods according to the needs of users, namely borrowing and repaying at any time and repaying on schedule. Of course, different repayment methods also correspond to different interests. For example, if you borrow at any time, the daily interest = unpaid principal * daily interest rate * borrowing time, and for regular repayment, the annual interest = principal * annual interest rate. The interest rate is given by the system based on a comprehensive assessment of the user's credit situation. The interest rate is also different for different credit situations.