In the fast loan app, the speed of borrowing money is overdue for 5 days. I already paid it back. Can I borrow it again?

1. The fast loan in the fast loan app is overdue for 5 days. I already paid it back. Can I borrow it again?

Have you sent an email to the address book five days overdue? I am 1 day overdue and will return it at 8 pm. If I don't return it, I will give it to my address book contact.

2. Is it overdue to miss the automatic deduction time on the repayment date?

That depends on how many days you are overdue.

If the repayment is delayed for a few days within a certain period of time, although it will definitely leave a bad record in the bank's own system, resulting in late fees, it will not be recorded in the personal credit inquiry system of the People's Bank of China, as long as the arrears are paid off before the next credit card billing date. Consequences of fast loan and fast loan without repayment: payment of late fee: if you apply for fast loan and fast loan and fail to complete the repayment before 24 o'clock on the repayment date, you need to pay late fee and collect it on a daily basis, which is a huge sum. Difficult to refinance: fast loans have overdue customer records, and it is likely to be difficult to refinance once overdue. If the situation is serious, it is almost impossible to apply for a loan again. Collection: it is not so much a consequence as a severe punishment, because according to the feedback from users, fast loans can be extreme in collection, such as malicious text messages and bombing address books. , the daily life of users will be seriously affected. 3. What are the consequences of quick loans and overdue loans?

On a platform? This is one of the favorite questions about online lending, mainly because we are worried that if it is overdue, it will leave a bad credit record. But in fact, in any case, the consequences of overdue can not be ignored. So what will happen to loans overdue? Let's take a look.

1. If the loan is not paid off within the grace period of 5 days, the borrower will receive a dunning text message or a dunning phone call. I would like to remind you that loans overdue may be fine in a few days, the frequency is not very high, but after a long time, the collection will be more and more intense. 2. It is still very intimate to affect the fast credit loan. It will provide each user with a five-day grace period, during which repayment will not leave a credit stain. Although they are borrowing quickly now, they already have bad records in their own credit information system, so it is difficult to make new applications. And whether you can't get on the central bank's credit report now, you will definitely get on it later, so it's best to plan ahead now. 3. Overdue expenses The consequences of quick loans and overdue loans also include high expenses incurred due to overdue. Fast loans and ultra-fast loans charge a penalty interest of five ten thousandths of the loan principal every day, but according to netizens, the penalty interest charged by fast loans and ultra-fast loans is relatively harsh, far higher than five ten thousandths, so don't overdue it. The consequences of quick loans and overdue loans are not as simple as everyone thinks. Don't take chances. If you really can't get it out, you can ask your friends for help first, make up the loan you owe temporarily, and then return it to them later. Or take the initiative to contact the fast loan customer service to explain the situation and negotiate the repayment period, which can also reduce the overdue impact.

4. What will happen if my fast loan is 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.

The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service mm will gently remind 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 practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes 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.

Third, facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously.

Fourth, the People's Bank of China is tainted.

At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.