Bai Hua, overdue prosecution, SMS to inform myself or my family? brief introduction

Will you call your family after the deadline?

Under normal circumstances, flowers will not call home when they are overdue.

Once the repayment is overdue, the penalty interest will be calculated on a daily basis, generally 0.05% of the overdue amount will be charged. Although it's not like private usury, it's still a lot of money. Alipay's credit system has been gradually established. Once the flowers are overdue, the most direct impact is to leave a negative record, which will affect other businesses.

Ant credit payment

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.

By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.

How much is the interest on the flower buds?

1, normal full repayment does not bear interest. Bai Hua has an interest-free repayment period. Users can spend this month and repay next month. The repayment date of Bai Hua is 10 per month. For example, if you spend 1 time in Bai Hua today, the user's final repayment cycle is 1+0. If you repay within the stipulated repayment period,

2. Overdue interest. If the user fails to repay the loan on the repayment date, Bai Hua will charge the overdue interest to the user, and charge the daily interest at the rate of 0.5 ‰ of the total amount owed, such as 5,000 yuan owed, 2.5 yuan for one day and 75 yuan for 30 days. The longer the overdue period, the higher the interest.

There is interest on installment repayment. The interest paid by installment repayment is actually an installment fee. If the user can't repay in full after using the flower buds, he can apply for installment. At present, the flower garden supports four staging cycles of 3, 6, 9 and 12, with different fees in different cycles, and the third stage fee is 2.5%. 4.5% handling fee for 6 issues; 9-phase handling fee of 6.5%; 12 installment fee is 8.8%. For example, if the user owes 3,000 yuan and repays it in three installments, then the handling fee to be paid is 75 yuan.

Will you call me and my family when the flowers expire?

The flowers are overdue, mainly because I called the lender to collect them myself, but if I failed to collect them from me many times, I might call home to collect them. In order to prevent family members from receiving collection calls, users are requested to pay off overdue debts as soon as possible after the flowers are overdue. If they are unable to repay, they can try to apply for repayment from Huabai through negotiation. After the negotiation is successful, they can repay the loan according to the negotiation agreement.

If negotiation fails, users need to find ways to collect the repayment amount and repay as soon as possible. At the same time, after the flowers are overdue, users had better not refuse to answer the collection call. Refusing to answer the collection call will make Hua Bai think that the user is maliciously overdue, and even the collection staff will directly skip the lender himself and directly call the user's family to run the collection, which is counterproductive.

Users must have a good attitude when answering the call from Bai Hua, and they can tell the collection staff that they will repay as soon as possible, so that the frequency of collection will be reduced. Only by paying off overdue debts as soon as possible can personal credit be restored as soon as possible.

Will you call your family and friends if you don't pay back the money after the deadline?

If it is overdue for a long time, the method of telephone dunning is not ruled out. It is recommended to repay the arrears as soon as possible, and the overdue period is serious.

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.

Bear platform fancy collection. 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. 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.

Credit information is polluted. Bai Hua has been connected to the credit information. If loans overdue, it will be recorded in the People's Bank of China's credit information system like bank loans and credit cards overdue, resulting in credit stains. After the credit information is defiled, it will affect real life. You can't get a loan if you want to buy a house, and you can't get a loan if you want to buy a car.

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

The repayment date in Bai Hua is 10 every month, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.

Baidu Encyclopedia-Bai Hua Repayment Method

Is it true that I was sued for receiving a lawyer's letter late? Will you inform your family?

Flower buds have become one of the wallets of young people now, which is super convenient to use. You can pay it back this month and next month, and the interest rate is super low, which also leads to a big problem, that is, many young people overdraw their consumption, and then they will be overdue if they don't pay it. We all know the truth. Flower buds are linked to credit reporting. Once overdue, our credit information will be spent, and we may become black households. It is almost difficult to get a loan in the future. So if we receive a lawyer's letter after the flowers are overdue, will we be sued? Let's have a good discussion on this topic.

If Bai Hua receives the overdue lawyer's letter by SMS, it must be a warning, that is, a statement, not a real lawsuit, so don't worry too much. We just need to make up the overdue money on time, and there will be no problem, except that our credit investigation may be a little expensive. The real lawyer's letter is not notified by SMS. It was sent by a letter. If we don't repay the loan as required after receiving the lawyer's letter at our address, we will inform the court within a few days, and we will hold the court session on time. If we don't appear in court, we will lose the lawsuit. So, if the flowers are overdue, will you inform your family?

The answer is yes, as long as it is everyone in our address book, he will notify them one by one, by SMS and by phone. I was overdue before, because I forgot to return it, which led him to send a lot of text messages to people in my address book, including my family and friends, which embarrassed me, and then I returned the money at the first time. Since then, I have become a black household of Huabai, and I can no longer use a dime of Huabai. Not only can Hua Bai not borrow a lot of money, but I can't borrow money from online loans. I will take back my loan on the grounds of insufficient credit at the time of evaluation. Therefore, credit is very important. Never overdue any loans. If we want to buy a house, we may take this as an evaluation and refuse our loan.