What are the consequences of staged music?

If you don't return the staged music to the customer, you will bear the following consequences:

1. The credit investigation will leave a stain. After the installment is overdue, the platform will report the customer's overdue situation to the credit report, and the credit report will leave a record of non-performing loans, which will be affected when the customer conducts credit activities or applies for civil servants in the future;

2. It will be collected by the platform. Once the installment music is overdue, the platform will definitely contact the customer by phone or SMS to urge the customer to repay the overdue debt as soon as possible. Under normal circumstances, the platform will only collect customers themselves, and formal lending institutions will not harass family members or friends of overdue customers;

3. There will be a lot of overdue penalty interest. After loans overdue, the platform accountant will charge the overdue penalty interest of customers on a daily basis, and the penalty interest for one day overdue is more than the normal loan interest, so the longer the customer is overdue, the more penalty interest will be generated. When customers settle debts, they should settle the penalty interest together;

4. The loan contract will be terminated early. If the customer is overdue for a long time and has no intention to settle the overdue debt as soon as possible, the platform will terminate the loan contract in advance according to the agreement in the loan contract and ask the customer to settle the loan in advance, which will directly increase the repayment pressure of the customer;

5. Malicious overdue will be prosecuted by the platform. For example, customers clearly have the ability to repay, but still deliberately default on loans. In this case, in order to protect its own rights and interests, the platform will solve the customer's debt problem through legal channels and will sue the customer;

6. Staged music big data that affects customers. After loans overdue, some measures taken by the platform will adversely affect customers' online loan big data. After the online loan big data is destroyed, customers who apply for loans on other platforms will also be affected;

7. It will be included in the list of people who have lost their trust. If after the platform sues the customer, the customer still fails to repay the loan as agreed and refuses to perform the debt responsibility, then the customer will be included in the list of untrustworthy executors, and his future life and transportation will be restricted. High consumption;

8. The loan amount will be reduced or frozen. Loans overdue shows that the risk of customers is rising. In order to prevent the risk from further expanding, the platform will reduce the customer's loan amount or freeze the customer's credit amount, which will make it more difficult for customers to continue to use installment music in the future.

9. We can no longer enjoy some preferential policies. Before the deadline, installment music may provide preferential loan interest rates to customers with good credit. However, once the customer is overdue, the system is likely to revoke the preferential policy. If they borrow again in the future, they will have to bear higher loan interest rates and increase the debt expenditure of customers.