One-way fundraising tour is overdue for half a month.

Will you come to the door when the two thousand yuan of the same journey is overdue?

No, if it is overdue for half a month, you must pay back the money as soon as possible. The longer the overdue period, the greater the adverse impact. At that time, if there is credit stain, it will be very difficult to apply for credit business.

What happens when the trip with money is overdue? There are consequences!

Speaking of tourism, many people must have traveled all their lives. Tourism can make people experience thousands of lives and feel thousands of customs in the world, but tourism is also very expensive. Raising money through the same journey links the tourism lending industry to solve the financial difficulties brought by tourism, but it also needs to be repaid on time. What happens when the trip with money is overdue? Let's get to know each other.

What happens when the trip with money is overdue?

Fundraising Tour is a credit product owned by Tongcheng.com. The loan partners are Shanghai Bank and China Construction Bank. If a bank participates in the mortgage, it is definitely necessary to check the credit information before the loan. After the deadline, I will go to the central bank for credit information, which will leave a bad record on the credit information. In addition to the central bank's credit information, there may be big data on the Internet. If there are too many overdue records in our credit information or big data, it will be more difficult to apply for other loans, and some loan products will be directly rejected if the credit information is not good.

You can't postpone paying back the money on the same journey. After overdue, you can calculate the overdue penalty interest on a daily basis, which is about twice the normal interest rate. The longer the overdue period, the more interest will be paid, which will undoubtedly increase the repayment pressure of the borrower. Moreover, the overdue withdrawal tour will affect the comprehensive score of users, and the credit line granted may be reduced or even cannot be used directly.

If the overdue time is too long, Tongcheng's fund-raising tour will definitely take certain collection measures. Whether you send text messages or make phone calls, it will cause some troubles to your life. If the overdue time is malicious and the amount is too large, fund-raising tourism is likely to take legal measures to recover debts and go directly to court for prosecution. If the borrower fails to repay the loan after compulsory execution, it will be classified as the person who has broken his promise and will affect his daily normal life.

How to apply for a money tour with the same journey?

Want to apply for the same trip to withdraw money, aged 20-55, with good credit report. After passing the preliminary examination of the system, the system will give the user a corresponding credit line according to the user's credit situation and consumption habits, with a maximum credit line of 200,000, without guarantee or mortgage.

The consequences of overdue travel in advance with the same journey are still serious, which will affect our credit information and bring trouble to future loans. If the loan is spent on money, it is still necessary to repay it on time and try not to be overdue.

If the withdrawal tour is overdue for 6 days, it will explode the address book.

Generally, people who are overdue for about a month will report to the address book and call people around them, and their reputation will become very poor.

There is no fixed time, but it is certain that a few days before the deadline, the address book will not be exploded, but you will receive a text message or phone call for dunning. If you still don't repay after repeated dunning, or even refuse to answer the dunning call, you can contact the lender's relatives and friends. If it is impossible to repay, the lender can explain the situation with the trip to withdraw money, and repay in installments to reduce the repayment pressure.

After the withdrawal from the group is overdue, the overdue fee will be charged on a daily basis. I suggest you pay back in time. If it is overdue for a short time, it may affect the re-borrowing after the successful repayment. You can also try to borrow money after the repayment is successful. Whether the loan is successful is subject to system audit. However, if it is overdue for a long time or many times, it may have an impact on your personal credit information. At present, deferred repayment is not supported after overdue. I suggest you pay back in time after the deadline.

Money-raising tour is a credit product under Tongcheng, which is mainly aimed at personal consumption online credit products. If you don't pay back the money within the time limit, when to explode the address book depends mainly on your cooperation. When it is overdue for one or two days at first, the online lending platform will call you to remind you to pay back the money quickly. If I don't get your response, I will receive two or three phone calls or text messages every day, and the contents of the dunning above are also varied and different. In short, I want you to pay back the money quickly.

If the withdrawal tour is overdue for one day, apply for a loan again, and you can borrow it again after passing the system audit. If the loan applicant has never been overdue in the previous fund-raising trip and has been using it normally, the repayment ability is strong and the comprehensive score is not low. It's only one day overdue, which has little effect on reapplying for a loan. However, fund-raising tourism cannot delay repayment, and if it is overdue for one day, it will be credited and charged with overdue penalty interest. Be sure to return it as soon as possible.

If the borrower's credit information becomes worse when applying for a loan, or there are many overdue times before, it will be difficult to apply for a loan if it is overdue for another day.

"How long will it take for the loan to come down after the face-to-face signing? Answer:/kloc-there is no fixed time for lending in about 0/5 days, depending on whether the lending bank has a quota. 15 days to 2 or 3 months. The time of lending is related to whether the credit line of the bank is tight, but generally, as long as the borrower has complete procedures and good credit record, the loan can be released within 15 working days at the earliest and 2-3 months at the slowest.

What if money travels to loans overdue?

Users should pay off overdue loans as soon as possible. If they can't pay off the loan as soon as possible, they need to apply to the bank for repayment negotiation. The agreement repayment application was successful, and the user will not encounter any collection during the overdue period. If you don't repay the loan by agreement, you will always send short messages and make collection calls during the overdue period, and the daily life of users will be affected to some extent. For users, it is necessary to pay back the money as soon as possible, otherwise the negative impact of overdue records will expand.

How to negotiate the overdue repayment of money withdrawal travel?

Need to call customer service to handle overdue repayment. It should be noted that handling overdue will affect your credit information, and there will be additional overdue fees.

Negotiation skills:

1. Actively negotiate and take the initiative to repay.

Don't wait for the overdue phone call to negotiate. Before the deadline, you can contact customer service to negotiate repayment, give a grace period or directly reduce interest. If customer service disagrees, you can call several times.

2, insiders, sincere attitude

When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.

3. Be reasonable and keep the evidence.

If there are irregular behaviors such as membership fees and audit fees, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't use language violence.

Now, if most of the formal online lending platforms are in loans overdue, and our arrears are not paid, this bad overdue record will generally be reported to the credit information system of the People's Bank of China in about 15 to 30 days. If it is overdue, our personal credit will be blacked out. All loans with banks or financial services institutions can not be handled, such as applying for credit cards, mortgages, car loans, etc. If they are placed, they will be kept for 5 years. But those who still refuse to repay the loan may be enforced by the court. Freezing all the assets under the debtor's name and reporting to the list of people who have lost their trust in the country is what we commonly call Lao Lai. This consequence is even more serious. Restrictions on flying, high-speed rail and high consumption will also affect children's attendance at higher private schools.

Generally speaking, negotiation is also to pay back the money better. Only when the arrears are paid off can we avoid the trouble of collection.