Will Tiancheng collect money if it is overdue?

Does Tiancheng borrow money from a credit check? Fact introduction!

;? For China Telecom users, you can find a loan platform called Tiancheng Lending on China Telecom Wing Payment. Before many people apply for a loan at Tiancheng Borrowing, they will ask Tiancheng whether the loan has a credit report. Here, I would like to introduce the relevant situation to you. According to what we have learned, Tiancheng Lending cooperates with formal financial institutions such as commercial banks and insurance companies to lend money. The loan products of Tiancheng Lending include: Bank of Ningbo e-White Collar, Bank of Nanjing Chengyidai, Zhongan Insurance Zhongxiangdai, etc. It is not difficult to see from these loan products that Tiancheng Lending is a loan platform that reports borrowers’ bad loan records to credit reports. After all, the loan products in Tiancheng Lending are all very formal, and commercial banks and insurance companies have complete risk control systems. In addition to the credit report at the meeting, the negative consequences of overdue borrowing from Tiancheng are the same as the consequences of overdue loans after applying for loans at banks, including penalty interest, collection, and even being sued in court. Therefore, the consequences of overdue loans from Tiancheng are more serious than many people imagine. However, if you can strictly follow the requirements to use and repay the loan, then you don’t have to worry about borrowing money from Tiancheng and going to the credit report, and it will not have any negative impact on you. Through the above content, we will introduce to you whether borrowing money from Tiancheng is on the credit report. Generally speaking, Tiancheng Lending is a loan platform that meets credit requirements. Therefore, after successfully applying for a loan, everyone must remember to repay the loan in full and on time, and never overdue. What will happen if Tiancheng borrows money? You can't bear the consequences!

;? In recent times, many China Telecom Yipay users will apply for Sweet Orange loans, because borrowing money through Sweet Orange can be easily processed through the Yipay APP. However, some friends, after receiving the loan, did not repay the loan in time as originally agreed. So what will happen if Tiancheng borrows money? Here, I will give you a detailed introduction to the consequences of not repaying the loan in Tiancheng.

1. Cheng Credit Information Everyone must know that although Tiancheng Lending is an online loan platform, its actual lenders are Bank of Ningbo, Bank of Nanjing, and Zhongan Insurance. In other words, if everyone borrows money from Tiancheng and fails to repay the loan, it is equivalent to failing to repay the loan from Ningbo Bank, Nanjing Bank, and Zhonganbao. Everyone's bad loan records will inevitably be reported to the credit report, and they will become a complete "credit report blacklist" from now on.

2. Being included in the list of dishonest persons. If you fail to repay the loan in Tiancheng, you are likely to be taken to court by the financial institution. Once the court makes a judgment, the friend who still fails to repay the loan will be included in the list of dishonest persons and will become an "old renegade" from then on. The state punishes old people very hard and will strictly limit daily consumption and children's education.

3. Personal reputation is seriously damaged. Those who borrow money from Tiancheng and fail to repay will definitely be subject to long-term collection. In the process of being collected, everyone's personal reputation will inevitably suffer serious damage. Through this article, I believe everyone has figured out what will happen if Tiancheng borrows money. In short, the consequences of not repaying the money borrowed from Tiancheng are really serious. You must not let this happen, otherwise you will regret it. Why did I get a loan from Sweet Orange?

1. I was borrowed by someone else under my name

Because I did not keep my personal information well, my identity information was leaked, and I was borrowed by criminals pretending to be my identity. Since the other party provided his own information when applying for a loan, after the other party failed to repay the debt, the online loan platform found him based on the information provided by the other party.

Solution:

There is no need to bear the obligation to repay. You can explain to the online loan platform that the loan is not yours and request the termination of the loan relationship. If the online lending platform ignores the problem and continues to collect debt, you can collect evidence and report it to the local Banking Regulatory Commission or the China Internet Finance Association.

2. Being the guarantor of loans from relatives and friends

Provided guarantees for the loans borrowed by relatives and friends. Since the loans borrowed by relatives and friends were not repaid, the online loan platform approached him as a guarantee to recover the money. The guarantor himself requires himself to repay within the scope of the guarantee liability.

Solution:

It is necessary to fulfill the guarantee liability. After repaying the loan on behalf of relatives and friends, you can seek repayment from relatives and friends. If you refuse to repay, your personal credit may be affected and you may have a bad record.

3. They are emergency contacts for relatives and friends

When applying for a loan, relatives and friends filled in their mobile phone numbers as emergency contact information, but the relatives and friends did not answer the collection call after the deadline. If the online loan platform cannot find the person, it will naturally contact itself as the emergency contact.

Solution:

You can provide the latest contact information of relatives and friends to the other party, but you are only an emergency contact and do not have to bear the responsibility for repayment.

4. The previous holder of the number has not repaid the loan

My mobile phone number is second-hand. If the previous holder of the number borrowed a loan and has not repaid it, the online loan platform will I found myself based on the number.

Solution:

The loan is not borrowed by oneself, so there is no need to pay attention to the collection of online loan platforms. If you don't want to be disturbed, you can choose to block it.

5. Use the name of online loan to carry out tricks

Some fraudsters use the name of online loan platform to defraud themselves and ask for overdue fees under the guise of unpaid loans. money.

Solution:

Don’t believe the other party’s statement. If you repay the money directly to the other party, it is likely to cause personal financial losses. It is best to check your personal credit and big data first to carefully confirm whether you have actually borrowed money.