These are the first time I've ever seen a person with a high school diploma, and the first time I've ever seen a person with a high school diploma. The company has no grace period for repayment, as long as the late repayment will be on the credit, then it is late repayment of one day. Only a short time late, and immediately settle the outstanding amount, then it is not considered a user malicious late, the impact of the late record is also very limited. And the longer the overdue time, the greater the impact of overdue records.

If it's been overdue for 3 months in a row, then this overdue record will become a credit stain, and basically you can't apply for any credit loan products for 2 years.

Is it possible to get credit when you're one day overdue?

Mission Borrowing is affected when you pay back a day late. There is no grace period for repayment, and paying it back one day late will upload the overdue record to the credit score. In addition, one day late will also produce one day late interest, the user in the repayment, in addition to the need to pay back the principal, interest, but also need to settle one day late interest as well. When the user finds that the Meituan loan has been overdue, it is most important to repay the loan as early as possible. Judging from the situation, the consequences of borrowing money late in Meituan are very serious. Therefore, after you find your Meituan Borrowing is overdue, you should immediately go this way:

1, immediately get in touch with Meituan Borrowing's customer service personnel, explain to the other party the reason why you are overdue, and tell the other party that you will immediately repay the loan, and request that the other party not to report the overdue record to the central bank for credit;

2, immediately raise funds for repayment as soon as possible, the overdue principal and interest and the overdue penalty interest and also Pay it off, and then inform Mission Borrowing by phone that they have paid off the outstanding amount.

For those who are late in borrowing money from the Mission, the only way to minimize the negative impact of overdue loans and salvage their personal credit as much as possible is to do as described above.

If it is only one day late in repaying the loan in Meituan Borrowing, then you don't have to worry too much about it, it usually won't affect your personal credit, as long as you pay off all the money owed and the penalty interest. However, people's credit limit in Mission Borrowing may be reduced and the interest rate of the loan may be increased. As long as the overdue will be reported, then the borrower's credit record will add a new Meituan Borrowing money overdue record, and you have to wait for 5 years after the repayment before it will be eliminated. In addition 3 days late in addition to paying back the principal, there is also a 3-day penalty interest charge, which is 1.5 times the normal interest rate. There is also not paid off before the Mission borrowing function may be restricted, there is a quota is not borrowed.1, penalty interest

Mission Life cost to buy a single after the overdue, will start from the day of overdue in accordance with the daily interest rate of 0.05% charged penalty interest. Suppose the borrower is overdue 2000 yuan, then the daily penalty interest is 2000 x 0.05% = 1 yuan.

2. Collection

After the overdue date, Meituan Living Costs Buyer will make collection by phone and SMS, which may seriously affect the daily life of an individual.

3. Reduced Comprehensive Credit Score

After the overdue date, it may reduce the individual's comprehensive credit score on Meituan's app, and after the reduction of the comprehensive credit score, it may not be possible to use Meituan Living Expenses, Meituan Living Expenses Borrowing, and Meituan's other lending services in the future.

4, be sued

For borrowers with more serious overdue behavior, Meituan Living Expense Borrowing will be resolved through judicial channels, and if they still refuse to pay back the money, they may be included in the list of people who have lost their credibility.

Do you have a credit card for the delayed repayment

The delayed repayment of the monthly payment of the Mission is not a credit card. The fact that you have to pay a lot of money for the service is not the only thing that you can do to make sure that you get the money you need. Once a user applies for a deferred payment, he or she will need to pay a small fee and then defer the current month's bill to the next month. However, it is important to note that after applying for a deferred payment, you will not be able to make installment payments.

U.S. monthly payments can generally only be applied for one deferral, and those that have been deferred must be paid on the payment date specified for the next month's bill. Otherwise, it will be considered overdue, which will have an adverse effect on personal credit.

Users can usually get a big data report on their personal credit at Eagle Heart Express to get a clear picture of their credit status, check their loan records, whether they are late, whether they have been blacklisted, and so on.

Extended information:

How to apply for an extension of a loan from Mission?

To apply for an extension of Meituan Borrowing, customers need to access the online customer service window on the platform and contact human customer service for negotiation; or they can also call the human customer service hotline number 95172 for negotiation.

And we need to pay attention to, Meituan borrowing itself is not to provide extension services, the customer needs to be in the negotiation will not have the ability to pay back the personal situation clearly, show that they do not intentionally overdue, at the same time to express their own sincere repayment of the idea, and then put forward to extend the repayment period, repayment of arrears of the application in installments, the Meituan platform system will be discretionary to consider.

If you have a loan that is four days overdue for repayment, is it on your credit card

The Meituan Living Fee platform has access to the credit card system, and whether you are applying for a loan or making a late repayment, it will be on your credit card. In accordance with the provisions of the current Mission life fee repayment four days late is on the credit, because the Mission borrowing no repayment grace period, as long as the late repayment of one day will also be counted as late, on the credit.

Personal credit refers to the collection and processing of personal credit information by personal credit bureaus established by law and the provision of personal credit information query and evaluation services according to user requirements. A personal credit report is a record of personal credit history that a credit agency collects information in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law.

As of 2015, the database included 870 million natural persons***, of which 370 million had credit records.

In May 2019 a new version of personal credit was officially launched, the length and granularity of credit information will be further improved.

September 30, 2021, the Measures for the Administration of Credit Collection Business have been considered and passed by the 9th Banking Meeting of the Central Bank in 2021 on September 17, 2021, and are hereby released and will come into effect from January 1, 2022 onwards.

At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in various commercial credit sales, credit transactions and recruitment and job search. In addition, the personal credit report also provides the inquirer himself with a way to review and standardize his own credit history behavior, and forms a checking mechanism for personal credit information.

Credit information

1, personal basic information that identifies the individual and reflects the individual's family, occupation and other circumstances;

2, personal credit information formed as a result of the individual's credit relationship with a financial institution or housing provident fund management center, etc.

3, personal credit relationships with commercial organizations, public utility service providers and The individual credit purchase, payment information;

4, administrative organs, administrative affairs executive agencies, judicial organs in the exercise of their powers and functions in the process of the formation of public **** record information related to personal credit;

5, other information related to personal credit.

Influencing Factors

The main factors that may affect a person's credit risk score are: a history of late repayment in loans, or credit card overdrafts that have not been repaid in accordance with the agreed time period and repayment due, or too many loan accounts and credit cards, and so on.

Regulations on the Administration of Credit Collection

Article 25:If the subject of information believes that there are errors or omissions in the information collected, preserved, or provided by the credit collection agency, he has the right to raise objections to the credit collection agency or the provider of the information and ask for corrections.

The credit collection agency or information provider shall, upon receipt of the objection, mark the existence of the objection to the relevant information in accordance with the provisions of the supervisory and management department of the credit collection industry of the State Council, verify and process the objection within 20 days from the date of receipt of the objection, and reply to the objector in writing with the result.