How soon will PICC loans overdue collect the money?

How long will you be dunned after being loaned? If you don't know, it's none of my business, right

Well, since you don't know, how do you know that you took out the loan yourself? If. If someone asks you for a loan without knowing it, you have to provide relevant evidence. Otherwise, people will definitely look for you. If you upload the credit information in the future, it will also damage your own things.

What are the consequences of PICC small loans overdue?

1, resulting in penalty interest.

Usually, when the loan is not paid in full on the interest payment date, the bank will temporarily list it as a collection note and call the borrower to remind him to repay it within 7 days. Make up the loan within 7 days, and the bank will not charge any late fees. However, if the loan is not repaid for more than 7 days, the bank will classify the loan as "collection" and "deferred repayment", and then it must pay a late fee or penalty interest.

2. Pull into the blacklist and record it in the bad credit file.

The name of the lender will appear in the internal system of the bank the day after the deadline, and the credit report will inevitably leave a bad record. If you haven't paid your bill for more than three months, it's very serious. Borrowers will be recorded with bad credit records in the joint credit center, commonly known as the "blacklist", which may be retained for more than 3 years.

3. Affect future loans and credit cards.

As long as you enter the blacklist, mortgages and car loans will be affected. Penalty interest is only a loss of money, and a bad credit record is a loss of intangible assets, and its influence cannot be compensated by money.

4. Can't enjoy preferential loans.

For mortgage loans, if there are many overdue repayment records in the past loan records, even if they are not blacklisted, they may not be able to obtain the preferential interest rate of bank mortgage smoothly, or even be refused a new mortgage, except for the penalty interest for overdue repayment.

5, no flying, high-speed rail, driving, children can not go to aristocratic schools.

Once blacklisted, people who refuse to carry out court judgments or rulings will not be able to fly or take high-speed trains? Children can't go to high-cost schools, and they can't be legal representatives of new companies; There will be more punishments in the future, so it can be said that life is hard.

6. It may affect personal career.

For students whose loans are overdue for more than 90 days in a row, banks or schools can publish their names, photos, ID numbers and overdue information in the media, or inform their work units, and banks will also sue.

7. Be sued by the bank and executed by the court.

If a lawsuit is filed, the court will take property preservation measures according to the creditor's application, freeze the deposits of the lender and the loan guarantor, and seal up the corresponding real estate, vehicles and other property. After the judgment, it will be enforced according to law.

8. Those with serious circumstances will be punished by law until they are sentenced.

If he has the ability to refuse to implement the effective legal documents, the person subjected to execution will be subject to legal sanctions, including judicial detention, until he assumes criminal responsibility.

Extended data:

Tips for avoiding overdue

1, deposit 2 days in advance 1.

Loan deduction will be automatically deducted by the system in the early morning of the day of deduction. If the deduction amount is always deposited on the day of deduction, it will be one day overdue. It is recommended that you deposit enough money before the deduction date 1 2 days.

2. Write down the repayment amount and date.

You can remember your repayment amount and date by inquiring about lending institutions, online banking, mobile banking, customer service telephone and other channels. Especially when using repayment methods with different monthly payments, such as average capital, you must ensure that the amount of the deduction account is greater than the repayment amount, otherwise you will lose more than you gain because you save a few yuan or a few cents less.

3. Make good use of e-banking channels to repay money anytime and anywhere.

Personal loans can be repaid not only through bank cards, but also through online banking, mobile banking and self-service counters.

Machine and other channels to return or transfer repayment, convenient and fast.

Knowledge of dry goods: how long is it overdue, and will it be collected at home?

Whether it is personal credit loans, online loans or overdue credit cards, it will affect our personal credit information. Credit information is our economic identity card. If there are overdue records, don't break the jar! There may be a chance to remedy it! If there is no remedy, how long will it be overdue for home collection?

When it comes to personal credit reporting, most people are most afraid of overdue, because it will affect the approval of various personal loans in the future. If personal credit information is overdue, you will not be able to enjoy car purchase by installment, house purchase by installment, high consumption, or even promotion and salary increase, and your child's choice of school will also be affected.

In fact, whether banks or other financial institutions are overdue, there is usually a grace period. As long as you make up the money during this relaxation period, your credit will be restored. Of course, the premise is that you have to do make-up lessons.

Expired scores and consequences

Before talking about remedial measures, we must first know what are the overdue grades in the credit report? Generally speaking, every 30 days overdue is a grade, and the central bank's credit report uses six grades to quantify the severity of overdue, and then it is reflected in the personal credit report. Overdue will be graded by time, and the longer overdue, the more serious the consequences.

In general, the overdue grades are as follows:

1, which means overdue 1-30 days;

2, which means 30-60 days overdue;

3, which means 60-90 days overdue.

……

6, that is, overdue 150 days or more. This is a serious overdue type.

If your score is marked to 3, then you will be blacked out by various financial institutions, and borrowing money will basically be rejected every second. There is any mark on the personal credit report, so it is very difficult to apply for mortgage and car loan again, either rejected or with high interest rate! In short, you will no longer enjoy low-interest consumption, and you will not even be able to borrow money from the bank.

How long will the door-to-door collection expire

This consequence is actually quite serious. If it is overdue for a long time, it will be collected. So, how long will it expire? Do you accept it at home?

In fact, credit institutions have a special "collection" mechanism, which will trigger various actions as long as it is overdue for a certain period of time. The general situation is as follows:

Within 30 days overdue: the bank will send you a text message asking you to pay back the money as soon as possible.

Overdue for more than 30 days: the bank will collect it.

Overdue for more than 90 days: the bank may send a collection staff to the door.

Overdue for more than one year: banks will generally sue in court.

Of course, if you are overdue because of special circumstances, and the time is not very long, generally speaking, banks will not go to court to sue.

However, if you borrow online loans, the situation may be different! Now, if online lending institutions fail to pay back the money within one day, they will be bombarded by text messages, sometimes sending 2-3 collection text messages a day until the money is returned; This is estimated that many people have already encountered it. Moreover, some online lending institutions are very violent in collection, which seriously affects personal life.

Overdue grace period and remedial measures

What should I do if it is overdue?

If it is maliciously overdue, the first step must be to pay back the money immediately. This step is very critical and can effectively prevent the overdue level from escalating again. Next, you should take the initiative to call the bank to explain your situation, and then ask the bank to issue a "non-malicious overdue statement" for you, which will not affect your personal credit information. This is also a slight overdue and a good way to deal with it.

As an individual, you must not be overdue and let the bank go to court. At the same time, don't challenge the door-to-door collection ability of credit institutions.

Maintain personal credit, from now on! Our personal ID card is also very important in the economic field!

How often do banks collect overdue loans?

A month later, I started calling for payment.

I. SMS or email reminder

At the early stage of overdue, because the overdue time is not long, the bank will not make too many collections. Usually banks only take the form of reminders, such as text messages or emails, to remind borrowers to repay as soon as possible.

2. Telephone collection

If the borrower's overdue time has exceeded the time stipulated by the bank, then there will be a manual customer service phone to inform the borrower of the current overdue status and situation, and demand to pay off the arrears as soon as possible. Bian Xiao told everyone that if there is already a phone call, you should repay it as soon as possible to avoid more serious consequences. If it is really difficult to repay, you can also try to negotiate with customer service and show a good willingness to repay.

Three. contacts

If the bank can't call the borrower, it will call the emergency contact number filled in when the loan is made. If the family members are not harassed by the phone, try to keep the phone open and actively negotiate with the bank.