My flowers are overdue for 3 years, call me now to repay! How to deal with it?

This is the payment reminder method of the lending platform. It is recommended to repay as soon as possible, otherwise you will face the following problems:

1. Bear high overdue fees.

For overdue fees, different online loan platforms have different names and charging standards. Whether it is called overdue penalty interest, overdue management, or various other names, the charging standards are very high. Therefore, those who can repay on time must not be overdue.

2. Receive different collection methods from the platform.

Collection is generally divided into three stages: the first stage is only a few days overdue. The platform customer service warmly reminds you that you are overdue and please repay on time; in the second stage, if you are overdue for too long, the platform customer service will give you a serious warning and threaten you with serious consequences if you do not overdue; in the third stage, the platform delays for a long time and stops persuading. Start taking real action.

1. It is quite expensive to charge overdue penalty interest for you. Friends who have experienced overdue payment for Huayou reported that the one-term repayment should have been 330 yuan, but the repayment was just overdue. The amount reached 660 yuan, and the overdue fees were quite high, which put huge financial pressure on the lender.

2. Telephone collection. According to the feedback of some users of Huiyouhua, Huiyouhua is quite powerful in collecting money. It will not only call the lender himself, but also notify the lender to the reserved contact person. Regarding the overdue situation, some users reported that Huayouhua would even call all the contacts on the borrower’s mobile phone to urge repayment, causing considerable trouble to the lender and their relatives and friends.

3. Affect the loan limit. Overdue loans will affect the credit evaluation of users. The lower the credit evaluation of users, the lower the loan limit will be. Therefore, if there is an overdue record, it will not only be difficult to increase the loan It is likely that the existing credit limit will also be deducted.

4. It affects re-borrowing. Users who are overdue on your payment cannot continue to borrow again. Overdue records will be left on the repayment record, which will have a negative impact on subsequent loan applications.

5. It affects Zhima credit. According to the feedback from users who gave you flowers, if the flowers are overdue, it will be recorded on Zhima credit, which will affect the user’s Zhima points and have a negative impact on other consumption activities in the future. Obstacles are very detrimental.

6. It will have a certain legal impact. If you maliciously overdue or fail to repay overdue, Gianyouhua will use certain legal means to urge repayment, which will undoubtedly bring adverse consequences to the borrower himself.

As can be seen from the above, it is quite serious to overdue your payment. You cannot continue to borrow money if you fail to repay it overdue. Everyone must develop a good habit of repaying on time, and do not cause trouble to yourself and others. Troubled.