If the good loan of Zhaolian is overdue, we can negotiate the installment. However, this installment is not for users who want to handle it. Users need to call the official financial institution of Zhaolian Good Term Loan to apply, and only the users who pass the application can handle the installment repayment business. As long as the customer explains that he does not have the repayment ability at present, that it is not maliciously overdue, and provides corresponding information, the lending financial institution will review it.

When applying, users need to show their strong willingness to repay, and show that they have not intentionally overdue. At the same time, the borrower can also pay off part of the arrears by virtue of his own ability, indicating his intention to repay. If Zhaolian Finance agrees to negotiate repayment after review, then the customer can negotiate a new repayment plan with Zhaolian Finance.

As we all know, Zhaolian good-term loan belongs to institutional online loan, and it will be granted credit every time it is used. Interests vary according to personal qualifications. Therefore, users should use it according to their actual situation, and don't apply for too high a quota, so as not to be unable to repay later. Under normal circumstances, it is recommended to give priority to bank loan products for loans.

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I. Precautions for Loan Bank Card

1. Because the bound bank card bears the responsibility of repayment, you must look at the banking institution designated by the lending institution clearly to avoid the failure of withdrawal due to the wrong card binding.

2. Try to choose common cards for bank cards to avoid freezing, loss reporting, expiration, dormancy, sleep, locking and card withdrawal, which will also lead to loan withdrawal failure.

3. The bank that the lending institution cooperates with may change. If the bank card is invalid, you need to log in to the background in time to modify the bank card information.

Second, the consequences of bank loans overdue.

1, resulting in penalty interest.

The regulations of each lending institution are different. As long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest. The longer the time, the higher the cost.

2. Take collection measures

If it is overdue for a long time, lending institutions will send staff to collect it, while financial institutions generally will not adopt violent collection methods, but it will also have a certain impact on personal life. It is recommended to repay as soon as possible.

3. Affect credit

As long as the lending institution accesses the credit information, it will leave a bad record after the deadline. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect many businesses in the future, and even be restricted from leaving the country and not being able to take planes or high-speed trains.

4. It depends on the tolerance period of the lending institution.

At present, most lending institutions consider from the perspective of humanization, one is to avoid hurting customers' face, and the other is to recover debts. Generally, a grace period of 3-5 days will be given, and some bad records will be recorded after the grace period. Some lending institutions will clearly tell lenders that there is a tolerance period for repayment, while some lending institutions have not clearly stated that there is a loan tolerance period. When loans overdue exceeds the tolerance period, it will be credited. Therefore, how long it takes loans overdue to grant credit depends on the tolerance period of lending institutions.