What if the bank card of Shanxi merchants is easy to borrow for three years?

The comprehensive credit consumption loan provided by Jinshang Bank Card Easy Loan to consumers is mainly used for car purchase, travel, decoration, shopping and other consumption. Many people have applied for the easy loan of Jinshang bank card, which has expired for three years, but it has not been paid yet. So what will happen to Jinshang Bank Card Easy Loan after three years?

What if the bank card of Shanxi merchants is easy to borrow for three years?

1 Affect credit reporting.

Jinshang Bank Card Easy Loan is for credit reporting. Once the credit is not available after three years, the system will count it as overdue, and the debtor's bad credit record will be uploaded to the central bank for credit reporting, leaving a stain on personal credit reporting.

2 be collected

If the bank card of Jinshang Bank has not been lent for three years, the staff of Jinshang Bank will call the borrower for money by phone or SMS, which will seriously affect the normal life of the borrower.

3 collect penalty interest

Jinshang bank card easy loan for three years will not be overdue. Jinshang Bank will charge a penalty interest on a daily basis until the borrower pays off, thus increasing the repayment amount of the borrower.

It can be said that the consequences of Shanxi merchants' bank cards not being returned for three years are very serious. If you don't pay back for a long time, you may even be sued and forced to repay. Therefore, Jinshang Bank Card Easy Loan has not been repaid for three years. You can apply to the bank for deferred repayment or agreed repayment, and you will not pay it back.