How will Didi Loan handle overdue repayment?

Hello, Didi's attitude towards overdue repayment is a warning. Take intervention measures against non-repayment. Overdue management is strict. Didi loan will follow you in detail from the first overdue. If the management is not strict, the Didi loan is estimated to have no cash flow, and the interest rate of Didi loans overdue is relatively high, so it will be prosecuted. It is really unwise to make overdue repayment.

1, generally speaking, overdue is caused by the following reasons. The first is forgetting to repay the loan. In view of this situation, it is necessary to contact the loan platform as soon as possible. Loans and online loans generally have formal services, usually about three days. Therefore, you can pay off the loan as soon as possible during this period. Loans overdue is more than 90 days. Generally speaking, if loans overdue is 90 days, it can be judged that the debtor is maliciously overdue. To solve this problem, borrowers need to pay off their debts first and then maintain good credit habits.

2. Those who have applied for credit investigation shall eliminate bad records within 5 years after paying off the arrears; If there is no credit report, this bad record will appear in the big data of online loans, indicating that you have been blacklisted by online loans and need to pay off your debts. The system will not be updated until a certain time. Non-malicious overdue If it is overdue due to unemployment, serious illness, going abroad, etc., you can contact the platform to explain the actual situation and issue a "non-malicious overdue certificate". Generally speaking, this situation has little impact on future loans. This is not my own loan. I often hear news now, and I have been lending and getting a card. If the overdue is not caused by yourself, you can contact the platform to explain the situation. If there are bad records, you can apply to the local people's credit information center for objection, which can generally eliminate bad overdue records.

3. The main points for attention in online lending are: whether the loan platform is approved by the CBRC and whether it holds a financial license. If it is a microfinance platform without a financial license, it is generally formal. Customers had better avoid it, in case they encounter loan fraudsters and fall into loan fraud. What is the loan interest rate of the platform? Is it high? If the loan interest rate is too high, beware of usury (the Supreme People's Court stipulates that the annual interest rate of online loans shall not exceed 4 times of the floating interest rate LPR). Does the platform require customers to pay in the name of guarantee and unfreeze the loan before it arrives? We should know that all formal licensed consumer financial institutions generally do not charge any upfront fees before issuing loans.