Can China Post Wallet negotiate repayment?

China Post's consumer finance can negotiate repayment.

Consultation is mutual coordination and consultation. The borrower should take the initiative to clearly fill in all loan and repayment treaties according to the contract, so as to repay in the future.

This kind of consultation is a democratic form of dealing with interpersonal relationships. From family to society, from country to international, all kinds of people appear, and these chains become the forms of mutual trust and dependence. When they are taken into account, as long as both parties can make a repayment decision through consultation, it is negotiated repayment. Otherwise, if negotiation fails, repayment can only be made by other means, which may be a civil lawsuit or a legal solution. This is not a negotiated repayment.

Extended data

It is suggested to repay the arrears as soon as possible, which will lead to serious overdue:

First, bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

Second, undertake the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, a warm reminder to tell you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.

There are many kinds of practical actions.

For example, the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years.