How long will staging music be overdue and bomb the address book?

How long does it take to install the music bombing address book?

Generally speaking, bombing the address book by stages means that the borrower is three days overdue. However, installment music is generally collected according to the loan amount. If the borrower owes more, in order to reduce losses, installment music may soon bomb the address book, forcing the borrower to repay in time.

In fact, installment music will remind the borrower first when the repayment is overdue, and it will not have any impact if it is repaid in time. If you don't reply all the time, blow up the address book. Therefore, the borrower had better pay off the loan before bombing the address book, otherwise it will affect his personal life.

When borrowing money, the borrower must think about the repayment plan in advance, so that there will be no overdue repayment in the later period. If you don't have a good repayment plan when you borrow money, you should borrow carefully at this time. And when borrowing money, you should do what you can, and don't borrow too much.

Late payment of installment music may be reported. Users should carefully check the installment music or the service agreement of the provider when placing an order. Uploading credit information is a normal loan management process. As long as a good repayment record is maintained, it will not have a negative impact on credit information. With a bad credit report, it is difficult to apply for a loan again.

Will I call my contact after the installment payment is overdue?

Install the concert and call the contact. Usually, when users apply for installment loans, they have authorized the relevant information in the address book. Once the user is overdue for more than 3 days, the official will call. But the specific telephone time mainly depends on the overdue amount of the user. If the overdue amount is relatively small, the borrower will be directly asked for collection.

Staging Music is a high-quality staging shopping center owned by Lexin. Founded in June 20 13, it is the pioneer of the domestic installment shopping e-commerce model. Always adhere to the brand concept of "be happy and see better".

Staging Music Mall has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall. Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million.

Staging music has created a business model of micro-consumer finance on the Internet. At the front end of consumption, staged music has improved the shopping experience of users through cooperation with JD.COM and others; At the back end of creditor's rights processing, orange financing was launched in June of 20 14, and all creditor's rights were exclusively represented by stages, forming a closed-loop ecology of "self-production and self-sale".

By stages, we have enjoyed the investment from many top domestic and foreign investment institutions and well-known enterprises such as JD.COM, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment Fund.

How many days after the installment payment is overdue, will I call the emergency contact?

Staging music is a more rigorous lending software. I will call myself if I am overdue for one day. If I don't answer the phone and repay the loan on time, I will call the emergency contact person for about one to two weeks.

If it causes serious overdue, it will face:

1, and bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

2, undertake the platform fancy collection.

3. Facing the crisis of national trust.

4. The credit information of China People's Bank is tainted.

The defendant went to court. After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.

Extended data

Online lending, meaning "person-to-person", is a reusable system software that supports the normal operation of P2P peer-to-peer lending.

Refers to the lending between individuals, P2P financial management refers to the company as an intermediary, connecting these borrowers and lenders to achieve their respective lending needs.

The borrower can be an unsecured loan or a secured loan. Intermediary is generally a new financial management model that collects fees from both parties or unilaterally for profit or earns a certain spread.

P2P online lending system is a reusable site or platform that supports the normal operation of P2P peer-to-peer lending, and generally has a complete set of tools to analyze, calculate and support the capital flow data. Provide information exchange, information value appraisal and other services for both borrowers and borrowers, and facilitate the completion of the transaction.

In the absence of substantial participation in the loan interest chain, creditors and borrowers directly have a creditor-debtor relationship, and the online lending system relies on charging a certain fee to both borrowers to maintain its operation. It is intended to solve the capital turnover problem of small and medium-sized enterprises.

How many days is the installment music overdue?

Usually, if the installment borrower fails to repay the loan within a week or so, the online loan officer will call the contact in the address book. If at the early stage of overdue, the online loan official will also call the contact person to help repay the loan if the borrower cannot be contacted. If the contact in the address book is a family member, the phone number of the family member will be dialed first. If the installment music is overdue for more than 3 days, you will call the contact person. However, the specific time of calling is judged according to the overdue amount of the borrower. If the loan amount is small, it is mainly to call the borrower for collection.

If the installment is overdue by 1-2 days, the borrower himself will be contacted. If there is suspicion of malicious breach of contract, then installment music will start bombing the address book for collection. It is suggested to contact installment music or repayment as soon as possible after the deadline, so as to avoid the impact of collection calls on daily life. Whether it is consumption installment or cash loan, it has the characteristics of "intertemporal". More and more consumers use their future income to undertake current consumption behavior, which promotes the growth of consumer finance industry. There are very firm reasons behind this phenomenon, which can be seen from the contribution rate of consumer expenditure to domestic GDP.

The phenomenon of violent collection caused by consumer credit model has become a bad loan signal in the field of consumer finance. The reporter inquired about black cat complaints on the complaint platform and found that "harassing family members" and "violent collection" accounted for the largest proportion of the total complaints about staged music. Author: debt counseling tutor

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Source: Zhihu.

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Overdue has always been the biggest headache for all borrowers, and many people have not made a good plan when borrowing. So on the repayment date, there is no money to repay the loan. And most people don't want to tell their families about this kind of thing, so they will only choose to overdue. However, which is more serious, the scolding after the family knows or the damage to the credit information after the deadline? I believe everyone should understand that everyone should have their own answers in their hearts.

First of all, I will not call the emergency contact.

Although overdue behavior is not loved by the loan platform, the loan platform will not push the overdue person to a dead end. As we all know, since we already owe money, it means that we have not asked our family for help. The platform also understands this truth and will definitely not call the emergency contact. Moreover, the overdue person will be given a chance within 5 days after the repayment date. As long as the loan is repaid within 5 days, there will be no stain. Therefore, if you don't want to have problems with your credit information and don't want to be a faithless person, you must repay it in time. A temporary embarrassment is nothing, and a bright future is what everyone should pursue.

Second, don't borrow money online.

In my opinion, even if there is a reason to need a loan, you should not lend on the online platform. Although the online platform does not require high-speed lending, it will pay a corresponding price for its advantages, and the interest is extremely high. Although you may think that the interest rate of online lending platform does not exceed 36%, if it is compared with the interest rate of banks, it is a world of difference. Therefore, I hope that all people in the society will go to the bank for loans if they need loans, and they must repay them in time to ensure that their credit information is no problem.