How long is the mobile phone loan overdue at most?

The overdue time of micro-loans is generally about 3 days, and the staff will contact you to let you repay in time. Once you can't find a reasonable reason to extend the loan within these three days, the micro-loan officer will think that you have breached the contract and your repayment ability is insufficient. Once this happens, your personal credit is likely to be affected, and it will be very difficult to handle other loans in the future.

Try not to be overdue, if it is overdue, there will be a penalty interest. From the overdue date, a penalty interest of 50% of the agreed interest rate will be added to the overdue principal amount every day until it is paid off.

Data expansion:

"Micro-loan" is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" adopts the user invitation system. At present, invited users can see the entrance of "micro-loan" in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and can get a loan amount of up to 300,000 yuan.

As an Internet banking loan product launched by Weizhong Bank, "micro-loan" has the following characteristics:

(1) Unsecured and unsecured;

Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of individual users with good credit.

(2)724-hour service, the fastest 1 minute to complete the loan;

Relying on strict risk control rules and complete technical support system, "micro-loan" provides 724-hour online service with convenient and efficient procedures. All processes are completed on the mobile phone, and the loan can be received as soon as 1 minute.

(3) It can be borrowed and repaid, and there is no handling fee for prepayment;

Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the regular default withholding repayment, "micro-loan" also supports users to settle loans at any time without charging any other additional formalities.

Data reference:

Micro-loan Baidu encyclopedia

Online loans can be overdue for a few months at most.

Three months. If the online loan is not paid back for three months, the lender will be collected after the loan platform is overdue. Because of the long overdue time, in addition to SMS collection, you may also call for collection, collect at home, explode the address book, or even go.

In addition, the overdue interest will be bigger and bigger, and it will stop on the day when the repayment is received. If the loan platform is also connected to the central bank's credit reporting, it will leave an overdue record on the letter newspaper, which is overdue for three consecutive times and belongs to the credit reporting black household.

Online loan expectation

1. Since the online loan industry does not have a complete credit information system, whether it will enter the online loan blacklist after the deadline is mainly determined by the overdue nature of the loan platform and the debtor. After all, nobody is perfect, and everyone's time and energy are limited. If you forget or remember the repayment time by mistake, there is still a chance to remedy it. If it is overdue occasionally, and the overdue period usually does not exceed 1-2 weeks, it will not enter the blacklist of online loans. On the other hand, if the user is often overdue for more than half a month, the lender is likely to upload your overdue behavior to the online loan big data and then pull you into the online loan blacklist.

Once you become a cyber hacker, it is very difficult to apply for a loan online. If you are an online lending institution, will you lend money to users who often don't pay back? Friends who are not sure whether they are on the online loan blacklist can try to get a professional online loan big data report-"Cloud Check Data" on WeChat, which can help you find out whether you have hit the online loan blacklist, fraud suspect list and credit overdue list. At the same time, in the overdue details, you can also see your overdue time, amount and duration, and take the initiative to contact the defaulting institution. Both parties will make a reasonable repayment plan, and then let the platform issue a non-malicious overdue certificate to minimize the adverse effects of overdue repayment.

Consequences of overdue online loans

1. Late payment fee:

After overdue, the system will charge a penalty interest, and the interest rate of the penalty interest will generally be higher than the agreed interest rate of the loan. If the customer has been in arrears, the longer the overdue time, the more repayment, and the greater the repayment pressure of the customer.

2. Affect personal credit:

The platform will report the overdue situation to big data, resulting in personal credit damage; If the lending institution of online loan cooperation accesses the central bank's credit information system, the platform is likely to report the overdue situation to the central bank for credit information, leaving a bad record in the customer's personal credit information report, which will affect the customer's personal credit information.

What will happen in loans overdue in a few days?

Your "credit rating" will affect the amount and speed of your future loan approval.

Every credit card has a final repayment date. If you don't pay back the money that day, or the money is not enough, the bank will start to collect penalty interest and late fees.

If the minimum repayment amount is not paid, it may affect the credit investigation and leave a credit stain.

Many banks are not so harsh. From the last repayment date, to the beginning of penalty interest, and then to whether to submit a credit report, the bank will give some grace to a certain extent.

Most banks will give you an extra "grace period" after the final repayment date, usually 1-3 days. (But there are exceptions. For example, some platinum cards are valid for 9 days. )

Even if you forget to pay back the money, it is not overdue as long as you make up the money within the next 1-3 days.

But please note that 1-3 days will arrive. Don't wait until the last minute to return it ... if it doesn't arrive on time and you owe a lot of money on your bill ... it will be miserable.

A friend of mine has not paid back the overdue loan, which has been overdue for two weeks. The bank called to urge him, at least once a day, sent a reminder message every day, and finally called his mother. His mother paid off the loan he owed and scolded him.

How long has the mobile phone loans overdue been?

Nowadays, people can choose many consumption patterns. In addition to the mortgage payment of the house, mobile phone loans are still very common businesses when people buy goods now, so as to facilitate consumers to buy their products. The dunning method of each platform is different, and it is overdue for more than half a year. I suggest that you repay the loan as soon as possible. The overdue charges are serious and the platform is fancy. Facing the crisis of national trust, the People's Bank of China (PBOC) was polluted by credit information, which eventually led to litigation.

legal ground

People's Republic of China (PRC) Civil Procedure Law

Article 119 The following conditions must be met: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It belongs to the scope of civil litigation accepted by the people and the jurisdiction of the accused people.

Let me talk about how long the mobile phone loan is overdue at most.