20 19 pleasant loan credit? Overdue will have such consequences!

Pleasant loan is a well-known P2P financial platform in the industry. It not only has investment and wealth management products, but also has various borrowing modes. Pleasant loan will take some measures for users who have not repaid after borrowing. Today, let's take a look at what will happen if the pleasant loan is overdue and whether it will be reported.

1. What are the consequences of overdue pleasant loans?

1, SMS reminder

Loans overdue. Pleasant loans are mainly provided by SMS. For example, as of XXX, the amount to be settled is XXX, which was deposited into the bank card on 18 today.

2. Address list

Because the operator needs to be authorized when applying for a loan, Yirendai will get the address book number, and once it is overdue, it will call the family and friends in the address book.

3. Family collection

Pleasant loans have a large scale. If you have a local branch and the overdue time is more than 15 days, it is possible to arrange a salesman to collect the money at home, but the attitude is generally good, mainly through negotiation.

Step 4 negotiate

In the late period of overdue, Pleasant Loan may change the repayment policy, allowing you to repay in installments. At this time, if conditions permit, it is recommended to repay as soon as possible.

5. Late payment fee

Overdue management service fee = overdue principal and interest payable in the current period × management service fee coefficient (the coefficient is determined according to individual circumstances)

6. Outsourcing collection company

If it is outsourced to a third-party collection company, the general collection will be stronger, and many bad collection methods come from this.

2. Will Pleasant Loan receive credit information at the loans overdue meeting?

Judging from the situation, many users said that they would not go to credit, but the consequences of overdue are also very serious, and they are not sure whether they will go to credit in the future.