How long does Suning's willful loan overdue call?

Usually three months. If the willful loan is overdue for three months, Suning Finance will send a lawyer's letter.

1. Once the overdue penalty interest is overdue, your wallet will suffer first. If Suning's voluntary payment is overdue, it needs to pay overdue liquidated damages. The specific calculation formula is: overdue penalty = loans overdue principal × overdue days ×0. 1%. Don't underestimate this little money, it will also cause you great economic pressure, which is even more unbearable.

2. Frozen account After Suning's discretionary payment is overdue, it may be used by the frozen account in order to reduce losses. By then, consumption or withdrawal can no longer be paid at discretion, and only repayment can be made. And if there are other loan products under Suning's consumer finance, it will also affect the use.

3. Reporting Credit We all know that Suning's arbitrary payment is mandatory. Once overdue, overdue records can be seen in the credit report within one month. If you want to borrow money to buy a house and a car in the future, even going abroad will be greatly affected.

4. If Suning takes the initiative to repay overdue, there will be customer service calls and text messages to inform the repayment. If you refuse to repay, you may outsource this account to a collection company, and then you will face even crazier collection. If the amount involved is huge, there is a risk of being sued.