According to the regulations, if the cardholder is willing to repay but unable to repay, he can negotiate with the bank on an equal footing and formulate a personalized repayment plan.
In this negotiation process, users should first explain the reasons for overdue. Although the bank may not recognize it, it reflects from the side that users have difficulties in repaying loans, rather than the overdue caused by deliberate non-repayment, and can also provide relevant information, such as proof of poverty.
Secondly, it is suggested to contact the head office directly before applying for negotiation. You can see the number on the back of the credit card, and then go to the designated outlets after consulting the head office. If you contact the branch directly, you are likely to encounter difficulties or be directly rejected.
What's more, if the head office disagrees, it can complain to the CBRC. As far as feedback is concerned, after the intervention of the CBRC, many users will soon receive communication and settlement calls from banks.
Finally, if the negotiation plan has been finalized, you can promise the bank that it will not be overdue and will repay the loan on time. Of course, this should also be done in the subsequent repayment process.
When applying for online loans, if there are overdue or multi-platform loan records, your information will be analyzed by big data risk control. If you are repeatedly rejected, it may even lead to the closure of your account, such as Bai Hua. If there is any abnormality in your network data, you can get your big data and credit status by looking up "Xiaoqi Credit Check". In addition, this query can obtain important data information such as your personal credit status, blacklist, application platform type, overdue status, overdue amount, and whether there are arbitration cases.
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Can online lending be suspended?
Generally speaking, online lending cannot be suspended.
When applying for online loans, the borrower and the lender will sign a loan contract. If your online loan is overdue, you need to calculate interest and liquidated damages according to the contract. Under normal circumstances, lending institutions will not agree to stop paying interest, but they can negotiate with lending institutions to postpone repayment or reduce interest and other relatively reasonable solutions.