First of all, answer directly.
Generally, we2000 will not deduct the money from WeChat when it is overdue. We2000 is a credit product launched by Weizhong Bank. Under normal circumstances, we2000 will not directly deduct money from WeChat when it is overdue, but it will still bear the corresponding overdue consequences.
Second, the specific analysis
After we2000 is overdue, it will bear the following consequences.
1, credit will be hurt.
2. It will be collected by the platform.
3. There will be penalty interest.
4. The loan amount will be reduced.
5. The platform will ask for advance payment.
6. Affect other loan applications.
7. Occupation is affected by credit information damage.
8. Will be blacklisted.
9. Malicious overdue will be prosecuted.
10, unable to enjoy preferential loan policy.
It can be seen that overdue has a great impact on. In order to avoid these things, after applying for a loan, you should make a good loan record and repay it in time before the repayment date expires.
Before using the loan amount, you can also fully consider your own economic strength and use the loan amount reasonably.
But don't take it lightly when online loans are overdue. In addition to being collected, personal credit will also be affected, especially online loans with credit information. Once there is such an overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. Search: You can query your own online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist.
Third, is it true that micro-loans are overdue for 4 days and should be settled in full?
It is usually true that loans overdue said that he would pay in full in four days.
After the micro-loan is overdue, if the received phone calls for full settlement, then the user must repay according to the collection requirements, otherwise, even if the overdue debts are paid off, the micro-loan will still be overdue.
Generally speaking, only when it is often overdue, or when the overdue amount is large, will there be a situation where it is overdue for 4 days and requires full payment.
Micro-loans are overdue for 4 days and require full settlement. Users can apply to the collection staff to return only overdue debts. If the collector agrees that the user will only return the overdue debts, the overdue status of micro-loans will be released after the overdue debts are returned.
The collection staff refused the user's request, please pay it off in full as soon as possible, otherwise the negative impact of overdue will continue to expand.
Users' micro-loans are not often overdue, or the overdue amount is not high, so they only need to repay the overdue debts after the overdue, and the subsequent repayment will be carried out according to the previous repayment plan.
Is it true that Weizhong Bank sued we2000 for seven days overdue?
Really.
20 14, 14, Weizhong Bank official website was formally established. 20 15 1.4, truck driver Xu Jun borrowed 35,000 yuan from Weizhong Bank. This is also the first loan issued by Weizhong Bank as an Internet private bank in China.
2065438+In mid-May 2005, Weizhong Bank launched its own loan product "micro-loan" to facilitate users to borrow money. From April 20 18 1 1 day, the limit of Weizhong Bank's mobile phone client, whether transferring money or purchasing wealth management products, was lowered to 1 10,000 yuan.
How long has we2000 been sued overdue?
If it is overdue for more than 1 day, you can sue, but in general, the lender will make a dunning first, and the lender who refuses to repay after dunning will sue the borrower. Generally speaking, in short-term loans overdue, lending institutions will not directly sue borrowers. As long as you can repay in a short time, this kind of payment is non-malicious overdue. For banks, loans overdue generally has a three-day grace period. For online lending institutions, the regulations of each family are not the same, and it is not easy to judge.
For banks, it usually takes more than 90 days for loans overdue to sue. The money owed to the bank is a loan contract dispute, regardless of the amount, you can sue in court.
First of all, if you can, try to pay off your debts and maintain good credit habits. If it is an overdue credit card, don't cancel it immediately after paying off the loan. Be sure to keep a good credit record. Credit information is generally recorded within five years, and mortgage can be used as a reference. Other loan products except mortgage only refer to the credit records of the last two years. For overdue caused by non-human factors, you must contact the bank to explain the situation and issue a non-malicious overdue certificate to avoid adverse effects on your future life or work.
Overdue interest rate:
According to Article 29 of the Supreme People's Court's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if both borrowers and lenders have agreed on overdue interest rates, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or clearly agreed, the people's court may handle it according to different circumstances:
(1) The lender claims that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment, and the people's court should support it because the interest rate during the loan period has not been agreed;
(2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, the people's court shall support the lender to claim that the borrower shall pay the interest during the capital occupation period according to the interest rate during the loan period from the date of overdue repayment. "