Will Suning's consumer finance be bad if it is overdue for three days?

Hello, Suning's willful loan, I accidentally overdue 1 day, and I paid it back early the next morning. Will the credit report count me as overdue?

Suning's willful loan is one day overdue because Suning Finance has a three-day grace period. As long as the borrower can repay within three days after the repayment date, Suning will not conduct credit investigation. If the repayment is not made within 3 days after the repayment date, Suning Finance will report the credit information. Although Suning Financial 1 day fails to receive the credit information, the borrower's overdue loan will affect the next loan, and Suning Financial may control the risk and refuse to lend. Therefore, it is suggested that the repayment must be made on time, which will help to improve the credit information.

Suning's willful loan is a financial product under Suning Finance and a micro-credit loan product created by Suning Consumer Finance. Its loan amount is relatively high, with the longest loan term of 500,000 yuan and the longest loan term of 10 year. It can be used as a normal consumption limit or withdrawn to a bank card. Credit authorization authentication is required to apply for opening. You can apply if you have a valid ID card. No call back. After authentication, you can withdraw cash directly and withdraw it to the bank card with one click.

As a micro-loan product under Suning Finance, willful loan has attracted the attention of many users. Users with borrowing needs can understand and apply according to their own needs. After the activation of the willful loan under Suning Finance, you can get a credit line, and users can withdraw the loan within the line. The maximum amount of willful loan is 300,000 yuan, which can be repaid with the loan, and the minimum daily interest rate is 0.023%, that is, the user borrows 10000 yuan, and the minimum daily interest rate is 2.3 yuan.

1. Is there a grace period for willful loans?

You can't. You must pay off the money before the repayment date, otherwise one day's delay in repayment will be regarded as overdue.

Second, overdue penalty interest.

After the willful loan is overdue, the penalty interest will be charged on a daily basis. The penalty interest rate is 65438+ 0.5 times the normal interest rate, and compound interest is not calculated. Compared with platforms such as routine loans, willful loans are relative to conscience and are liquidated damages formulated in accordance with state regulations.

Third, the credit report

As long as the borrower can repay within 3 days after the repayment date, Suning will not report the credit information when entering. If the repayment is not made within 3 days after the repayment date, Suning Finance will report the credit information. Because Suning Finance is a formal licensed platform, it is directly supervised by the CBRC and must upload credit information according to regulations.

In addition, everyone should pay attention to the fact that willful loans will also check credit information, so you need to reapply. Do not submit frequently. Every application will leave an inquiry record on the credit report, and more often, a credit report will be made.

Fourth, telephone collection

According to the feedback from users, Suning Finance will start to collect money three days after the borrower is overdue, and will not take the way of exploding the address book, which is relatively "soft". After all, credit reporting has a killer weapon, and most people will eventually pay it back.

In addition, everyone is very concerned about the wayward loans overdue. Will it be accepted at home? Many users said that they would send a text message saying that they would come to the door one month (30 days) overdue. In fact, online applications will not come to the door. If it is handled by a local store, it may come to the door, but it will not cause any impact, mainly through negotiation. You need not worry too much.

Is there a credit report on Suning Financial's willful loan overdue for two days?

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The "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief" has corresponding provisions on this:

Article 1 If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust, and impose credit punishment on him according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) refusing to perform the settlement agreement without justifiable reasons.

Extended data:

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The Supreme People's Court's relevant laws and regulations on publishing the information of the list of untrustworthy executors;

Article 12? The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The information recorded by the credit information system includes positive and positive information, as well as some negative information.

It mainly includes the failure to repay the principal and interest according to the time required by the contract after the loan relationship with the bank, and the situation of default and repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit.

Article 13 Where a credit reporting agency engaged in personal credit reporting business is dissolved or declared bankrupt according to law, it shall also make an announcement in the media designated by the credit reporting supervision and management department of the State Council, and submit the business license of personal credit reporting business to the credit reporting supervision and management department of the State Council for cancellation.

Baidu Encyclopedia-"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed for Breach of Trust"

Suning Finance is four days overdue. What happens when it is overdue for a long time?

Expected liquidated damages.

1. It should be returned as soon as possible. If you don't pay it back all the time, this penalty will always be superimposed. The specific calculation formula of liquidated damages is: overdue liquidated damages = loans overdue principal × overdue days ×0. 1%.

2. Secondly, your bad repayment record will be reported to the central bank for credit investigation. Once you get the credit information, it will have a great influence on buying a house and a car by stages in the future. During the audit process, you will also check the user's credit information as a standard for audit and evaluation.

3. After Suning's discretionary payment is overdue, it may be frozen for use in order to reduce losses. By then, discretionary payment can no longer be used for consumption or cash withdrawal, and only repayment can be made. And if there are other loan products under Suning's consumer finance, it will also affect the use.

4. If Suning takes the initiative to repay overdue, there will be customer service calls and text messages to inform the repayment. If you refuse to repay, you may outsource this account to a collection company, and then you will face even crazier collection. If the amount involved is huge, there is a risk of being sued.

5. It is recommended to return it as soon as possible. If not, you should seek help from relatives and friends. Once you get the credit report, it will have an impact on personal credit in the future.

Extended data:

Suning Financial Platform officially completed the docking of corporate wealth management business "Enterprise Edition Zero Money Treasure" and Huitianfu Monetary Fund. In addition to corporate business, Suning Financial's personal wealth management business is increasingly trusted by investors. Take the recent Internet financial products, such as bill financial products. Since March this year, the monthly sales have been close to 654.38+0 billion.

According to the data released by Suning Finance, the number of net active members in 20 16 years exceeded100,000, and the transaction volume exceeded 400 billion yuan, an increase of over 100% compared with last year. Since 20 1 1, Suning Finance has been seeking comprehensive operation, and established business modules such as payment account, investment and wealth management, consumer finance, corporate loans, commercial factoring, crowdfunding, insurance and prepaid cards. , forming a whole industrial chain layout route of "financing+payment+wealth management" and having a full license for financial services.

References:

Suning Finance-Baidu Encyclopedia