You will not receive reminder text messages for Vitality Flower Loans.

If Vitality Flower is overdue, it will not call the police. If Vitality Flower is overdue, you will receive an overdue text message reminder, and then there will be a computer customer service call to notify you of the repayment. If there is still no repayment, manual customer service will do it. If debt is collected, if repeated debt collection fails, it will be reported to the credit reporting system. At the same time, if the debt is overdue for too long, the platform will directly sue the company.

Vitality Flowers will not contact the emergency contact if it is one day overdue. The consequences of overdue Vitality Flowers are mainly a matter of time: if you are overdue for one day, you will receive an overdue text message; on the second day, you will receive a call from computer customer service to notify you; on the third day, there will be a manual customer service call to press for payment, and the overdue situation will be reported to the credit system . In addition, Vitality Flower will also charge fees based on the number of days overdue. If the time is too long, you may be sued.

Vitality flowers may be on the credit report. Huohuohua has more than one investor. Some investors are commercial banks, some investors have access to Sesame Credit, and some have access to Xiaobai Credit. Users can check the investor on the loan details page. If the investor is a commercial bank, the credit report must be on Huohuahua.

While providing loan services to users, Vitality also helps users manage their credit and avoid the risk of breach of trust. A good repayment record will help users apply for financial services, while a bad overdue record may affect credit investigation, loans, credit card applications, etc.

If the user's overdue record is uploaded to the personal credit system of the People's Bank of China, it will affect the user's use of the loan services and credit card services provided by the bank.

: What should I do if my online loan is overdue?

1. Collect evidence. If an online loan is overdue and you are violently collected or intimidated, you must collect evidence and report it to the relevant departments if necessary.

2. Ask relatives and friends to borrow money. If you are unable to repay the loan after it is overdue, you can choose to borrow money from relatives and friends to meet your urgent needs. After all, the cost of overdue online loans is higher than borrowing money from friends.

3. Pay off your debt as soon as possible. After an online loan is overdue, you must pay off the debt as soon as possible, because many online loans have relatively high interest rates, and high overdue fees may be incurred once the loan is overdue. Moreover, some online loan products are subject to credit reporting or cooperate with Zhima Credit, so overdue loans will affect personal credit. Therefore, after overdue, those who have the ability to repay should repay as soon as possible to avoid affecting personal credit or incurring high penalty interest.