Is it true that consumer finance immediately said that the money on the personal bank card was forcibly deducted?

If you don't pay it back within the time limit, you may be deducted, so you should pay it back on time.

Expiration risk:

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 it will face serious consequences if it is overdue; 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.

Third, the credit information of China People's Bank 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.

Fourth, the defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that 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.

Points for attention in peer-to-peer lending:

1. Note that no deposit is required.

Regular online lending institutions have strict loan approval procedures. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle;

2. Choose a formal lending institution.

Those who claim to be able to lend unconditionally must be swindlers or swindlers, and regular loan companies will certainly not lend money just by an ID card;

3. Reasonable selection of loan amount and term.

The size of the loan depends on the individual's financial needs. On this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure;