The characteristic is that the legal consultation in the market needs to send a phone card, because financial institutions oppose the intervention of third parties and can only repay in person. So if they want to speak for you, they can only use your phone card and pretend to be your identity. To negotiate this matter, you need to call the bank several times to apply. When the new repayment plan comes down, the bank will also take the initiative to call this calling card. Is it reliable to find a legitimate company after the online loan is overdue?
1. Legal companies on Baidu that specialize in solving overdue online loans and credit cards are generally frauds. I suggest you don't trust them easily There is no such company. If there is any business information that can be found in this company, it will generally be exposed. The interest of online loans is generally higher than normal interest, and the calculation of overdue fines and liquidated damages is also very different from that of regular loan products. Timely repayment is far from illegal online lending.
Because of this so-called company, the so-called installment business is illegal. Proper consumption, no overspending, timely repayment, hard work, life will get better and better, and word of mouth will get better and better. In case of bump, you can't repay on time, and you should contact the official customer service of the bank at the first time to apply for deferred repayment. The official customer service will record it and apply to the superior. Once approved, it can be carried out according to the new agreed way, without affecting the credit investigation! This is the right way.
Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. It is suggested that if the credit limit is not reached, the minimum repayment amount can be paid first without affecting the credit limit. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account. When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.
legal ground
civil law
Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.