Because the deduction is unsuccessful, please contact the loan handling bank as soon as possible to verify and handle it on weekdays.
Repayment after personal loans overdue:
Failure to repay the loan in full on time may result in penalty interest and affect personal credit history. If it is overdue, please deposit funds in the loan deduction account as soon as possible, and then observe whether to make up the deduction.
if the deduction is unsuccessful or the repayment cannot be made in time, please contact the loan handling bank for verification and handling as soon as possible on working days.
Extended information
Ways to repay the loan of China Construction Bank
At present, the repayment methods provided by China Construction Bank for ordinary personal loan customers are mainly divided into entrusted deduction and voluntary repayment.
Among them, the entrusted deduction method is that the borrower entrusts the lending bank to directly deduct the repayment from the savings account opened by CCB; For the voluntary repayment method, the borrower will directly handle the repayment through our counter, online banking and mobile banking (repayment of provident fund loans is not supported for the time being).
Personal fast loan customers can take the initiative to repay through mobile banking, online banking or loan handling bank, or deposit the funds into the fast loan related account before the loan expires, and the system will automatically deduct the money on the repayment date.
due to the different specific loan provisions of each branch, it is recommended to contact the loan handling bank for consultation on working days. What happened when there was no deduction on the repayment date of the mortgage
If there was no deduction on the repayment date of the mortgage, it is suggested that the customer first check whether the funds in the bound repayment bank card are sufficient, and the deduction may fail because of the insufficient balance. In this regard, the customer quickly fills in the money to ensure that the banking system can successfully complete the deduction before 24 o'clock on the repayment date.
and if the card still has money, you can go and see if there is something wrong with the card. It may be because the card status is abnormal that the bank can't deduct the money. In this regard, customers should contact the bank quickly. If the card problem cannot be solved in a short time, you can contact the bank to change and tie a bank card for repayment.
if there is nothing wrong with the repayment of the bank card, it may be that the bank's system has been delayed. In this regard, the customer can call the customer service of the bank to inquire about the specific situation. If there is really a problem with the bank, the other party can initiate the deduction as soon as possible, so as not to miss the prescribed repayment period and cause overdue.
Credit card repayment date:
Credit card repayment date refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. That is to say, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.
The due repayment date is also called the final repayment date. If you don't repay in full before the due repayment date and you don't choose the minimum repayment amount by credit card, then you may face the following penalties:
1. All consumption funds no longer enjoy the interest-free repayment treatment, and the bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of five ten thousandths and compound interest on a monthly basis;
2. Receiving a call and a letter from the bank;
3. Freeze your account and feed back your arrears record to the People's Bank of China and record it in your credit file, which will affect your personal credit;
if you really don't have enough money to repay in full on the due repayment date, please choose the minimum repayment amount by credit card, and only 1% of the total expenses will be repaid in this way, so that although there is no interest-free repayment period, personal credit will be avoided.
The domestic credit card repayment period is calculated according to the billing date and consumption date of your credit card, and it is not fixed. The bank will tell you when the card is issued, and each bill will have a bill date. The repayment period varies from bank to bank, generally speaking, it is 18 days to 25 days after the billing date, of which the shortest is 18 days for China Merchants Bank and the longest is 25 days for Industrial and Commercial Bank of China. The period from the date when you use your credit card to the billing date plus the repayment period mentioned above is the date when you enjoy interest-free repayment.
according to this calculation method, you can enjoy the longest interest-free repayment on the day after the billing date, and the interest-free repayment period is the shortest on the day before the billing date. Generally speaking, the interest-free repayment period of credit cards is about 2 days to 5 days. For example, if your billing date is 12th, the date when you use your credit card for spending is 11th, and the interest-free repayment period stipulated by your card-issuing bank is within 2 days after the billing date, then your repayment is only 2 days. What should I do if I haven't deducted the money successfully on the repayment date of the mortgage?
First, a positive answer
If the mortgage has not been deducted on the repayment date, it is suggested to check whether the funds in the bound repayment bank card are sufficient first. It is possible that the deduction failed because of the insufficient balance. In this regard, it is necessary to quickly replenish the money to ensure that the banking system can successfully complete the deduction before 24 o'clock on the repayment date.
Second, make a concrete analysis
And if the card still has money, you can go and see if there is something wrong with the card. It may be because the card is in an abnormal state that the bank can't deduct the money.
in this regard, we should contact the bank quickly.
and if the card problem cannot be solved in a short time, you can contact the bank to change and tie a bank card for repayment.
if there is nothing wrong with the repayment of the bank card, it may be that the bank's system has been delayed. In this regard, you can call the customer service of the bank to inquire about the specific situation. If there is really a problem with the bank, you can ask the other party to initiate the deduction as soon as possible, so as not to miss the prescribed repayment period and cause overdue.
It should be noted that the mortgage repayment date will generally be deducted once or twice, once in the morning and once in the afternoon.
in order to deduct money smoothly, you must always pay attention to the status of the card, and ensure that the money is filled in early before the repayment date.
online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: Quick search by Bejian can generate big data report. Although there are differences between the two, in order to avoid the situation that individuals are unable to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
third, why didn't you deduct the money on the repayment date of the mortgage?
mortgage is usually repaid by binding a bank card and letting the banking system deduct money from the card on the repayment date of each month.
and if the bank doesn't deduct money from the repayment card on the repayment date, it may be because of the following reasons.
1. the balance is insufficient.
if the balance in the bank card used to repay the mortgage is insufficient to repay the monthly payment of the current month, the bank will fail to deduct the money because of the insufficient balance, and the money in the card will not be deducted.
unless the borrower deposits enough funds, the bank will deduct money from the card.
2. The card is abnormal.
if the bank card used to repay the mortgage is abnormal, for example, it is frozen, then the bank may not be able to deduct money from the card for repayment.
3. system upgrade or failure
sometimes the banking system will be upgraded or failed, and when the banking system is upgraded or failed, it may not be possible to deduct money according to the normal process.
Therefore, it may be necessary to wait until the banking system is upgraded or the fault is solved before deducting money from the repayment card. The loan of ABC has not been deducted at 1pm
It may not have been deducted successfully.
It may be that the deduction was unsuccessful. If it is unsuccessful, you will have to wait until the next deduction date. Generally, the deduction for mortgage repayment is around 17: p.m. to 21: p.m., and there is enough money in the card before 17: p.m. on the repayment date. Note that the card already has money at that time, instead of starting to transfer money to the card through channels at that time. Because the transfer may take some time to arrive, there is no problem. Generally, it will be deducted at the party.
mortgage generally refers to housing loan. Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled in by buyers to the loan bank, and legal documents such as ID card, income certificate and housing sales contract are provided.