How long does loans overdue, an online merchant, write letters? How serious are the consequences?

Online merchant loans overdue 1 day submits the credit report. As for the consequences of overdue, the overdue time is short, and occasional overdue will not have a great impact on credit reporting. If it is overdue for a long time or continuously, such as three or six times overdue, it will form a credit stain, which will have a great adverse impact on personal credit and lead to the long-term inability to handle credit business.

Even the overdue records of three times and six times will only be kept for five years after the loan is settled, and users have the opportunity to repair their personal credit information.

Extended data:

1. How long will the online merchant loans overdue be prosecuted?

1. If the online merchant loans overdue exceeds three months, the online merchant bank will have the right to sue. However, the online merchant bank will not bring a lawsuit to the court immediately if the customer is overdue for three months. Seeing that customers are overdue, they mainly urge customers to repay as soon as possible by sending text messages and making phone calls.

2. Unless the customer is overdue for a long time, the amount owed is relatively large, and the dunning is not paid for many times, or even no one can be contacted, it is very likely that he will go to court.

3. The adverse consequences of online merchant loans overdue are very serious. First, there will be overdue penalty interest, and the penalty interest rate is 0.5 times of the normal loan interest rate of 65438. The longer the customer is overdue, the more penalty interest will be generated, and the repayment pressure will be greater and greater.

4. Secondly, it will leave a bad record on the credit report, resulting in personal credit damage. As a result, the system is likely to freeze the quota, and customers will no longer be able to borrow money, and they will also be unable to borrow money from other consumer financial institutions.

5. If the defendant refuses to repay the loan after being sued by the court, it may not only be included in the list of people who have lost their trust and restrict their daily consumption and travel, but the court may also enforce, freeze, detain and auction the customer's property to pay off the debt.

Second, online loan overdue negotiation repayment skills

1, don't wait for the overdue call of online loan to come before you want to negotiate;

2. When communicating with customer service, loans overdue needs to be sincere, express his willingness to repay, list repayment plans, show that he has work income, and strive to raise money.

3. If online lending is illegal, such as membership fees and audit fees. Or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge and negotiate, pay attention to the proper use of words, and avoid language violence.