So, what is the process of installment payment? Next, I will take you to know about it.
Credit card installment payment is a very traditional and common installment payment business, and it is also very convenient to operate. With a few simple steps, you can easily handle the installment payment.
It should be noted that before choosing bank credit card installment, it is best to call the bank customer service in advance to ask whether installment payment is supported and whether the installment fee rate is appropriate.
The installment payment based on credit card is introduced above. For friends who don't have a credit card, they can also receive the goods by installments in other ways.
Of course, as a commodity installment, we should also understand the relevant rates and terms of installment. Moreover, not all consumption scenarios can apply for commodity staging, which requires us to ask in advance.
At present, installment payment, as a popular advanced consumption mode, has a relatively simple process. I would like to remind everyone here that any consumption needs to be done according to one's ability, and it is not good to become "debt in advance".
Related question and answer: What if I don't pay by installment? I just don't pay. There is no criminal offence involved, and I will not be investigated for criminal responsibility. However, it is recommended to actively repay the loan, and there will be liquidated damages and penalty interest when being sued. If the installment payment is not paid back, it is recommended to pay back as soon as possible. If the overdue is serious: 1, it will bear a high overdue fee. 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. If it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; It has been overdue for a long time, and the platform stopped coaxing and began to take practical actions. The credit information of China People's Bank is tainted. At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on. The defendant went to court. After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time. Finally, I suggest that you repay as soon as possible, or negotiate with creditors to reduce the repayment amount in each installment to ensure timely repayment. Extended data:
Installment payment does not belong to the scope of civil litigation, and generally will not go to jail. The creditor brings a lawsuit to the court and applies for a payment order to require the debtor to perform his obligations. If the debtor fails to perform his obligations within the prescribed time limit, the creditor may apply to the court for enforcement. If the creditor still fails to perform his debts, the people's court may take or notify the relevant units to assist in taking measures to restrict his exit, record it in the credit information system, release information on non-performance of obligations through the media and other measures prescribed by law. Legal basis: "People's Republic of China (PRC) Civil Procedure Law" stipulates: 1 Article 214 Where a creditor requests the debtor to pay money or securities, it may apply to the grassroots people's court with jurisdiction for a payment order if the following conditions are met: (1) There is no other debt dispute between the creditor and the debtor; (2) Payment orders can be served on the debtor. The application shall specify the amount of money or securities required and the facts and evidence on which it is based.