How long is Suning Finance overdue?

Basically, I will call you personally in the first month after the deadline. If you don't answer all the time, they will start to explode your address book.

But even if you answer it, if you don't pay back the money all the time, it will be exposed by the address book within one month.

Before my friend was overdue for one month, the whole address book was exploded. Everyone knows that he owes money.

Suning Finance must pay off the money before the repayment date, otherwise a day's late repayment will be overdue. After the overdue penalty interest, Suning Finance will first collect the penalty interest on a daily basis. The penalty interest rate is 65438+ 0.5 times the normal interest rate, and compound interest is not calculated. As long as the credit is overdue, Suning Finance will report the credit one day, because Suning Finance is a formal licensed platform, which is directly supervised by the CBRC and must upload the credit according to regulations. In addition, everyone should note that Suning Finance will also check the credit information, so it is necessary to reapply and not submit it frequently. Every application will leave an inquiry record on the credit report, and more often, a credit report will be made. Ask for feedback from receipt users. Suning Financial will start to collect money after the borrower is overdue for three days, and will not take the way of exploding the address book, which is relatively soft. "After all, credit reporting has a killer, and most people will eventually repay. In addition, everyone is very concerned about whether Suning Finance will come to the door for collection after it is overdue. Many users said that they would send a text message indicating 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. All in all, online loans that affect credit reporting must be repaid in time. No one can guarantee that you will never get a credit card, buy a house or a car, and don't wait until you need it to know you are in a hurry. By then, it will be too late. If Suning's willful loan is overdue for one day, Suning Finance will not immediately contact the emergency contact person filled in when the customer applies for the loan, but mainly call or send a text message to the customer to urge him to repay the loan as soon as possible.

However, it should be noted that if it continues to be overdue, Suning Finance has repeatedly urged customers to repay, but has never been able to contact anyone. If the customer always ignores it, Suning Finance is likely to call the emergency contact to ask about the borrower's recent situation.

If the customer can't be found by calling the emergency contact person, the overdue time is far more than three months, and the amount of arrears is relatively large, then Suning Finance is likely to sue the customer and let the customer repay the arrears through legal means.

If the customer does not want the emergency contact person to be disturbed or sued by Suning Finance, he must pay off the arrears quickly after the overdue situation occurs. Even if it is not clear for a while, don't run away from it. You can take the initiative to contact Suning Financial Customer Service to negotiate and apply for deferred repayment. "