Gitzo returned it three days after it expired. Will it have any effect?

I'd like to ask what would happen if loans overdue in the express letter?

If you are overdue on JetJet credit, you will have a personal credit report one month overdue, but as long as you don't continue to be overdue, it won't have much impact on your credit report. If it is overdue for more than two months, it will be included in your credit record; Overdue for more than two consecutive times will also be included in the credit record; If it is overdue for more than three months, record bad credit.

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The overdue repayment of Czech credit will have serious consequences. Czech credit information is connected to the personal credit information system of the People's Bank of China. In order to apply for loan services in banks and other financial institutions in the future, it is best not to leave bad records in credit information records. If you fail to repay the loan in time according to the loan contract within the validity period, you will not only have high liquidated damages, but also affect your personal credit record and even legal risks.

For more information about what will happen after loans overdue on Jetletter, please visit: See More.

What will happen if Gitzo is overdue?

If Gitzo does not pay back the money, the following consequences may occur:

1. Penalty interest. The first consequence of not paying back the money owed to Gitzo is the penalty interest. The penalty interest on the money owed to Gitzo will be increased by 30%-50% on the basis of the original interest rate of Gitzo loan.

Second, it affects personal credit information. In addition to the penalty interest, the record of bad information generated after the overdue period will affect the future loan. In addition, if overdue records are collected at the meeting, personal credit stains will be retained for 5 years.

Third, it was collected. If the money owed to Gitzo is not returned, Gitzo will collect it, mainly by telephone.

Fourth, facing prosecution. If the lender fails to pay the loan for more than 3 months, Gitzo will bring a lawsuit to the court according to the loan contract, and the court will take industrial preservation measures, freeze all bank accounts of the lender and seal up the mortgage industry.

Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Suggestions for loan review Carefully review each loan, and the risk judgment of the loan cannot be based on past review or credit. We should not relax the examination or reduce the investigation procedure just because the borrower has repaid the principal and interest on time in the past.

Establish a regular appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.

Credit officials (credit officials, members of the credit review team and members of the credit review committee) shall not make improper private contact with borrowers in loan activities.

Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; The borrower shall not reimburse any expenses.

For loans with large loan amount and long term or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be invited to make professional judgments and provide expert opinions on related matters.

Gitzo's loan is three days overdue. Does it affect personal credit reporting?

At present, Gitzo Consumer Finance Co., Ltd. has access to the basic database of financial credit information. If the repayment obligation is not fulfilled according to the consumer loan contract, the credit record will be fed back to the above credit information system.

For the loan contract whose activation date is after 2065438+200765438+February 29th, if you fail to fulfill the repayment obligation according to the loan contract, you will be charged with penalty interest at 50% according to the interest rate specified in the application form from the overdue date until all the arrears are paid off. If the loan interest rate is zero, you will charge a penalty interest at the daily penalty interest rate of 0.067%.

Among them, for overdue interest and penalty interest, Gitzo Consumer Finance has the right to continue to compound interest at the corresponding penalty interest rate on a monthly basis until all arrears are paid off. For the loan contract whose activation date is before 20 17 12.29, overdue penalty will be charged, and the specific collection method will be subject to the terms of the consumer credit contract of the loan.

Extended data:

Court: Gitzo's high claim is not supported.

In the judgment from China Judgment Document Network, Gitzo is the plaintiff and the defendant is Ms. Gu, a natural person.

Because banks and non-bank financial institutions occupy huge advantages in contract, information and legal status, it is very rare for institutions to win as plaintiffs every day, but it is rare for institutions to sue borrowers but eventually lose. For example, if you owe a credit card 65,438+0,000 yuan and it is overdue for 65,438+0 months, the bank will take you to court. Therefore, you don't even have to think about it. The bank must have won the case.

According to the judgment, the cause of action was: Ms. Gu from Hubei borrowed 1 10,000 yuan from Gitzo, and paid it off in 36 installments of 559 yuan each, with a total repayment amount of 20 1.24 yuan, but Ms. Gu stopped repayment after repayment of 5,590 yuan. According to the requirements of Gitzo, Ms. Gu still needs to repay12,265 yuan, including interest, management fees, liquidated damages and other expenses of 4,450 yuan.

The court held that Gitzo Finance Company not only charged 65,438+0.75% loan interest to customers, but also charged various service fees and liquidated damages for overdue repayment. At the same time, Gitzo Xinchi Company also collects loan management fees from customers. In fact, it belongs to the act of changing direction and breaking through the legal interest rate to charge high interest, so the part exceeding the annual interest rate of 36% should be considered invalid.

Phoenix. Com- Gitzo Finance illegally issues usury: 6000 complaints challenge IPO bottom line.

What is the influence of Gitzo loans overdue?

1. generates high penalty interest. Gitzo will incur penalty interest if it is overdue, and the longer it is overdue, the more penalty interest it will generate, which will further aggravate the repayment pressure of the borrower.

2. Affect credit reporting. Gitzo has been connected to the central bank's credit information system, which will affect personal credit information and cause resistance to other credit businesses in the future.

3. Collected by Gitzo Platform. When Gitzo is overdue at first, it will call the borrower himself and send a text message for collection; With the extension of overdue time, the borrower's emergency contacts (including family, friends, colleagues, work units, etc.) will be given. )

4. Legal prosecution. After a series of collections, if the user's money has not been repaid, Gitzo can sue the user to the court and apply to the court for enforcement to recover the overdue money.

So if you have money, you should pay it back as soon as possible. If you don't know your credit information, just search: Sky Data, find this WeChat applet, pull out the details of your online loan liabilities and overdue credit status, and make a repayment plan according to your own situation.