Is it true that Suning's willful loan is overdue for more than two months?

Generally not, it's all a routine of collection, but it's best to return it early, which will affect the credit investigation.

Ren Ying Loan is a credit loan brand under Suning Finance, which provides multi-scenario funds for individual users such as shopping, decoration, travel, education and car purchase, and provides consumers with safe and convenient inclusive finance services. It has the characteristics of no mortgage, no guarantee, high quota and flexible staging.

Self-willed loan is a product of inclusive finance, with a low threshold, aged 22-55 (inclusive). The applicant must be a natural person with full capacity for civil conduct, a mainland resident with China nationality (except Hong Kong, Macao and Taiwan), with no bad credit record and serious negative information and financial resources.

Treatment of overdue repayment of online loans

If the online loan is overdue, it is recommended to negotiate with the online loan company first and try to repay it in installments. At the same time, if the principal, interest and other agreements exceed the legal support, they may not be repaid.

If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

At the same time, we must put an end to future troubles, and do not have bad behaviors such as gambling, excessive consumption, and raising loans with loans. In addition, if you are violently collected, bombed the address book, maliciously sent personal information or pictures, threatened by various means, or slandered by various means, remember to keep all the recordings and materials, and you can complain to the Internet Finance Department of China or the local banking regulatory bureau.