Jiufu finance overdue SMS interception

Maybe just to scare you. If you are sued, you should pay off the loan as soon as possible.

Whether to be sued depends on the company itself. The right of action is the basic right of the parties, which can be exercised or waived. There should be a loan contract dispute between you, and you have not fulfilled your repayment obligations as agreed in the contract.

Consequences of overdue credit investigation

How many days after the credit card expires?

Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have the following special provisions on the grace period for repayment:

Bank of China 1:

The credit platinum card of China Bank has a grace period of 9 days, while the other credit cards of China Bank have a grace period of 3 days.

2. Postal Bank:

The grace period for repayment by China Post Bank is 4 days.

3. Guangfa Bank and Citibank:

Both Guangfa Bank and Citibank need to apply for a special grace period for repayment, which is generally about 3 days.

4. Agricultural Bank:

The grace period for repayment of China Agricultural Bank is 2 days.

5. ICBC:

ICBC's Star Card and Struggle Card can have a grace period of three days, while ICBC's other credit cards have no grace period.

What are the consequences of overdue credit cards?

If the overdue period reaches a very serious state, it will constitute a malicious overdraft and will be identified as credit card fraud. Sentencing standards will be implemented according to the amount of our malicious overdraft, including fixed-term imprisonment or life imprisonment of less than 5 years, more than 5 years and less than 10 years, and fines of more than 20,000 yuan and less than 200,000 yuan, more than 50,000 yuan and less than 500,000 yuan, or confiscation of property.

If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if we are overdue three times in two years, then our provident fund loan will be out of reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.

If the overdue time is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have bad records in credit reporting. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by at least 10% due to your credit problems. Obviously, the cost of buying a house will increase greatly. If we are seriously overdue for many times, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering that we have plans to buy a house in the future, we must not overdue it.