Shengbei is one day overdue for credit investigation? How serious are the consequences?

1. Impact on credit reporting

Shengbei cooperates with a number of financial institutions, all of which are formal and reliable platforms, so the investor may be a banking institution. Once it is overdue, it will 100% be dealt with Credit investigation will have a great impact on future loans to buy a house, a car, and a credit card. Even after repayment, it will take 5 years to repair the problem, which is very costly.

2. Late payment fee

This is the norm in the online loan industry. Once the repayment is overdue, the late payment fee will be deducted according to the contract. Some online loans are calculated on a daily basis, so save money. A one-time fee of 5% of the unpaid principal is charged. If you borrow 10,000 yuan, a one-time deduction of 500 yuan will be made, which is relatively high.

3. Overdue penalty interest

Not only will a late payment fee be charged, but also a penalty interest of 0.1% of the unpaid principal will be charged every day starting from the last repayment date. The above-mentioned interest is not only a one-time A late payment fee of 500 yuan will be deducted, and a penalty interest of 10 yuan will be charged on a daily basis. The longer the time, the higher it will be.

1. How long will it take for the province to be prosecuted if it is overdue?

There are many users who have been overdue for a long time, such as more than a year, and are very afraid that Shengbei will sue. Judging from the situation, many netizens have received debt collection, prosecution letters, and court hearings from the Ministry of Justice. Notices and other legal documents are not actually prosecuted. This may be because the cost of prosecution is relatively high and collection is to scare you. In addition, the savings amount is relatively low. Most only have a few thousand yuan. It is impossible to actually prosecute and it is time-consuming. Effortless.

2. Can I save myself from filing a late credit report?

Shengbei’s overdue credit report is due to the fact that Shengbei cooperates with banks, including Baoshang Bank, Harbin Bank, Hangzhou Consumer Finance Company, Jilin Bank, China Foreign Trade Trust Co., Ltd., There are 19 licensed financial institutions such as Baixin Bank and Suzhou Bank, and these are formal licensed lending institutions. Therefore, when the provincial loan is overdue, the overdue record will be uploaded to the credit reporting system.

Currently, in addition to the overdue records being uploaded to the credit reporting system, Shengbei will also face the following consequences after it is overdue:

1. After the Shengbei is overdue, penalty interest will be calculated on a daily basis , so the longer the overdue period, the higher the penalty interest that needs to be paid;

2. After the expiration date, in addition to the borrower himself receiving collection text messages and collection calls, the borrower’s relatives and friends may also receive collection calls. You will receive collection text messages and collection calls;

3. If the loan is not repaid and the overdue amount is relatively large, the borrower will be prosecuted in court.

So I hope everyone can repay on time after borrowing money from Jiangbei. After all, the consequences of overdue payment are still very serious.