If the WeChat reserve fund 2000 is overdue, you should make it up quickly, or try to negotiate an extension with the bank. Wechat reserve fund 2000 is used for credit reporting. That is to say, at present, the We2000 loan line needs to be authorized to inquire about credit information, and at the same time, the inquiry record will be left on the credit information report, which will be recorded in the credit information report in the form of consumer loans after the application is successful. And overdue will also have serious consequences, as follows:
First, there will be overdue fees. The daily interest rate for payment of reserve funds by WE2000 is 0.04% or 0.05% (specifically, it shall be subject to the display in the WE2000 applet interface). The interest shall be calculated on a daily basis from the actual borrowing date, and the daily interest = the remaining unpaid principal × the daily interest rate. If it is delayed all the time, it will inevitably generate more expenses, and then the customer will have to pay more and the repayment pressure will be greater.
Second, the overdue situation will be reported to the central bank's credit information system by Weizhong Bank, leaving a bad record in the personal credit information report (this record will generally be kept for at least five years and can only be deleted by the system after the arrears are paid off), resulting in personal credit damage.
Third, Weizhong Bank will freeze the amount of reserve funds paid by WE2000, so that customers can no longer use WE2000 to pay reserve funds, and it is difficult to return to normal in a short time. Because of the credit problem, customers' subsequent handling of new credit business in other consumer financial institutions will be hindered to some extent, and I am afraid it is difficult to handle it smoothly.
The reserve fund is the reserve fund allocated by the enterprise to the enterprise's internal fund-using units or individual employees as sporadic expenses. The reserve fund allocated by enterprises can be accounted for in the detailed account of "Other Receivables-Reserve Fund" by adopting a one-time reserve fund or reserve fund system according to management needs.
Reserve fund refers to the funds allocated by enterprises, organs, institutions or other economic organizations to non-independent accounting internal units or staff for travel expenses, sporadic purchases, sporadic expenses, etc.
The reserve fund shall be managed by a designated person and used according to the specified purposes, and shall not be lent to others or used for other purposes.
The reserve fund is mainly used for small and sporadic reimbursement expenses, and the scope of use is other personal expenses other than the unified salary payment items stipulated by the state; Travel expenses that business travelers must carry with them; Other expenses that really need to be paid in cash, etc.
What should I do if Weizhong 2000 is overdue for one year?
Weizhong is one year overdue in 2000, so make it up quickly or try to negotiate with the bank for an extension. Weizhong reserve fund 2000 is for credit investigation. At present, the We2000 loan line needs to be authorized to inquire about credit information, and at the same time, the inquiry record will be left on the credit information report, which will be recorded in the credit information report in the form of consumer loans after the application is successful.
Article 16 of the Regulations on the Administration of Credit Information Industry
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
Article 17
Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.
Article 18
When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.
Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.
Article 19
If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.
Article 20
Information users shall use personal information in accordance with the purposes agreed with the subject of personal information, and shall not use it for purposes other than those agreed upon, and shall not provide it to a third party without the consent of the subject of personal information.
What should Weizhong Bank do if it is overdue?
How does Weizhong Bank apply to stop repayment?
Weizhong Bank cannot negotiate repayment. After applying for a loan from Weizhong Bank, the lender must repay the loan in full and on time according to the requirements of the loan contract. If it is overdue, it will affect the lender's credit information and charge the lender a penalty interest.
Because it is impossible to negotiate repayment, the lender needs to settle the loan interest and penalty interest in addition to the loan principal when settling the debt.
What should Weizhong Bank do if it is overdue?
If Weizhong Bank users are overdue, they can apply to Weizhong Bank customer service for repayment negotiation.
To put it simply, after the overdue period, first call the customer service center of Weizhong Bank, and then tell yourself the reasons for the overdue period and express your strong willingness to repay. However, the income is too low and the repayment ability is insufficient, so I apply for deferred repayment. When users apply for deferred repayment, it is naturally better to provide proof of debt difficulty.
At present, Weizhong Bank can negotiate repayment, and loans overdue people can raise the issue of negotiating repayment. Need to be reminded that users need to provide some relevant certificates when applying for deferred repayment. Users can submit disease certificates, income certificates, and even provide screenshots of debts and overdue online loans.