Is it a big problem that Xinxiangtong is overdue for one day?

Xinxiangtong will have a big problem if it is overdue for one day, and there may be a blacklist of credit information. Xinxiangtong is an online lending platform with no grace period. If the credit card is not notified within the time limit, the platform will directly call the party or guarantor for dunning or directly enter the credit blacklist.

First, Xinxiangtong is a formal loan platform.

Xinxiangtong is a personal consumer credit product operated by Haixi Jiaxin Microfinance Co., Ltd., and it is also a new product recently launched. It is reported that the upper limit of applying for opening a sub-store is 65,438+10,000, and the service period is generally 15 days to 12 months. Applicants need to meet the requirements of "over 22 years old, good big data, stable job and income" before submitting their applications. At the same time, you need to submit your ID card and face recognition, which is a very formal loan platform.

Second, the consequences of overdue

1. Personal credit record is seriously overdue because interest-free repayment is no longer enjoyed after the deadline. If the amount is huge, "malicious overdraft" will constitute a crime.

2. If the payment is overdue for more than three months or the bank makes dunning for more than two times, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.

3. The influence of credit card overdue occasionally is not too serious for individuals. As long as the credit card can be repaid in time, it will not be overdue for more than four times in one year, which is not great for personal influence. If it is overdue for three or even seven months in a row, bank loans or credit loans cannot be made in the last five years.

To sum up, Xinxiangtong is deemed to be overdue for one day. It may happen that the company will hand over the overdue customer to the People's Bank of China, so that the debtor will be blacklisted. It is suggested that online loans should not be used in daily life, and repayment must be made on time after online loans. If there is overdue, you must communicate with the platform in time, try to extend the payment period as much as possible, and don't affect your personal credit information because of overdue.