What else is Xiao Ying's credit card a day late?

One day's credit card loans overdue will also have adverse effects, such as charging three ten thousandths of interest every day, and in case of short message and phone call collection, personal credit information will show compensation. This will not only increase the repayment pressure of borrowers, but also cause bad credit information, which will affect subsequent borrowers' loans to buy houses, cars and credit cards. Xiaoying card loan was still collected at the meeting one day late, and Xiaoying card loan APP was connected to PBOC credit information system, so Xiaoying card loan was still collected at the meeting after it was overdue. In addition, there will be other adverse consequences after the deadline, specifically:

1, resulting in high overdue penalty interest. If the borrower of Xiaoying Card loan fails to repay in full and on time according to the repayment date agreed in the loan agreement, which leads to overdue, then the borrower needs to pay extra overdue penalty interest.

2. Have a bad credit record. Once the bad credit record is recorded, it will be kept for 3-7 years, which has a great influence on handling loans and credit cards in the future.

1, generate background

In order to meet the financial needs of the new generation in China, Xiaoying Technology, which has been committed to providing diversified financial services for the middle class, has launched its credit card balance compensation product-Xiaoying Card Loan, which is open to credit card people aged 20-55, focusing on young people under 35 and providing them with credit card consumption installment services. Subsequent small win card loans have gradually developed into a credit installment consumption service platform that provides comprehensive services for the new middle class, serving the young new middle class.

2. Software overview

Based on the user's portrait characteristics and consumer demand, Xiaoying Credit Card has specially created three unique business scenarios: Xiaoying Daily Life Consumption Staging+Xiaoying Credit Card Consumption Staging+Xiaoying Shopping Mall Consumption Staging, providing users with phased consumption services such as mobile phone digital, online celebrity beauty cosmetics, household appliances, luggage and leather goods, jewelry watches, creative industrial design products, virtual recharge services, online shopping and credit card staging.

Xiaoying Card Loan has formed a long-term and stable cooperative relationship with 100+ partners since it was launched in February 20/6. Xiaoying Card Loan activates private domain traffic through social fission such as MGM (User Recommended User), and carries out refined operation in the whole process of user life cycle.

3. Business philosophy

Xiaoying Card Loan adheres to the business philosophy of "Don't let everyone give up the right to pursue a happy life because of temporary embarrassment" and provides credit services to users with loan needs, which has great social benefits.

4 product characteristics

Xiaoying credit card loan provides installment service for medium and long-term credit card consumption. With a credit card application, users can quickly pay off their credit card bills or increase the credit card limit. Applicable amount: 2000-80000 yuan, loan term: 3 months, 6 months, 9 months, 65438 months, repayment method: equal repayment of principal and interest every month.

Small win easy loan medium and long-term micro-loan products, loans directly into the debit card. Applicable amount: 2000-80000 yuan, loan term: 3 months, 6 months, 9 months, 65438 months, repayment method: equal repayment of principal and interest every month.