Is Gitzo's repayment waiver formal?

Borrowed 53 thousand and paid back more than 20 thousand. Gitzo said it could be reduced to 12000 yuan. Is it credible?

Borrowed 53 thousand and paid back more than 20 thousand. Gitzo said it could be reduced to 12000 yuan. Is it credible? This is not credible. No matter how it is reduced, the principal will not be reduced. These are the routines of collectors. They basically took all the money you paid back and didn't settle the loan with you. This routine has been exposed. Do you still believe it? Never pay attention to what the so-called collectors say. They have no right to reduce or exempt you. If you really want to reduce or exempt, just talk to the platform directly.

Gitzo's arrears are overdue, and now the third party collects the interest reduction and only repays the principal. Is it credible?

The formal platform is credible. In fact, it is credible to say that interest reduction only pays back the principal.

Gitzo Consumer Finance Co., Ltd. was established on 20101010. As a fully compliant licensed consumer finance company, it officially opened in China at the end of 20 10, and its shareholder is Gitzo Group, a leading international consumer finance service provider.

Gitzo is committed to providing responsible financial credit and inclusive finance services to those groups that cannot be covered by traditional financial services, especially those with little credit history. Its business covers more than 300 cities in 29 provinces and cities.

20 10 12. Gitzo Consumer Finance Co., Ltd., one of the first four consumer finance pilot enterprises of CBRC, was formally established in Tianjin.

From 2065438 to 2008, the highest annualized interest rate of Gitzo Xiaojin's loan was 24%. At the beginning of 2020, Gitzo launched the "2023" strategy, and on the basis of the "2023 strategy", it constantly accelerated the pace of "customer-centric" digital transformation.

At the end of 2020, Gitzo's "2023" strategy achieved initial results, and more than 44 million users have registered Gitzo Financial APP. Gitzo Financial APP is online.

Shopping platform Marketplace can provide a "one-stop" consumer finance experience; The first revolving loan product, Gitzo Payment.

Is it true that Gitzo reduced repayment?

Not necessarily, because whether Gitzo can reduce or exempt depends mainly on whether the user really has no repayment ability and financial resources for the time being, and whether he can provide real proof materials, and then the system will review and pass before reducing or exempting. Because everyone's situation may be different, not everyone can successfully reduce it.

Some borrowers will receive a short message of repayment from Gitzo, which is valid for only one week. Reducing repayment is equivalent to negotiating repayment between Gitzo and the borrower. Gitzo will forgive the remaining debt for free as long as the borrower repays the preferential amount. It is suggested that customers who receive this message pay off the preferential amount within one week in order to land as soon as possible.

Generally speaking, whether Gitzo can be exempted needs to be negotiated with Gitzo's collection staff. Everyone's situation may be different, and not everyone can be exempted or exempted successfully. When negotiating, be sure to confirm the identity of the other party and prevent swindlers from pretending to cheat. If the other party can provide a formal restoration contract as evidence, then the credibility is still relatively high.

: What should I do if it is overdue?

1. Tolerance Tolerance service: Tolerance service and tolerance service are adopted by most banks. The specific implementation is still subject to each bank, especially the posting time on the last day will be different.

2. Time for credit investigation: Do not conduct credit investigation immediately after the deadline. Different banks and financial institutions report credit reports to the central bank at different times. At this time, you should contact the bank or financial institution immediately to inquire about the time of the final credit report and repay it in full immediately. After that, I contacted the customer service again to explain that it was not a malicious breach of contract and had paid off the money again.

3. Covering bad records: if the credit report has been submitted after the deadline and the objection application has not passed, it can only be eliminated within 5 years. Do not cancel the card during this period. If the card is cancelled, the bad record will follow for a long time.

4. Objection handling of credit report: If there are justified reasons and evidence to prove that the overdue period is indeed a misjudgment, you can apply to the credit reporting center for an objection, and the central bank will make a judgment.

5. Take precautions: It is always best to take precautions, and the best way is not to be overdue.