Weizhong Bank will not be prosecuted if it is overdue for more than 2000 yuan. There are more than 2000 overdue debts, and the overdue amount is not large. The possibility of being sued is relatively small, because the cost of prosecution may be much higher than 2000. Lending institutions must weigh the necessity of prosecution before suing. It is obviously not cost-effective to sue more than 2,000 yuan in arrears, so lending institutions generally do not sue.

In the process of collection, the collection staff usually tell the customers who don't pay back that "they may be sued for not paying back", which is just their normal remarks, and the specific prosecution will be weighed according to the amount owed.

Users should pay attention to the fact that although the lending institution will not sue users for more than 2,000 yuan in arrears, various collections on the platform will not be interrupted during the overdue period, which will seriously affect the normal life of users; In addition, it will also have a negative impact on users' personal credit information and hinder users from handling other credit loan business in the future; And there will be a penalty interest during the overdue period. Therefore, it is still necessary to repay as soon as possible.

Will Weizhong Bank be sued if it is overdue for more than 2,000 yuan?

The other party has the right to sue, and whether to sue or not is decided by Weizhong Bank.

Extended data:

1. Weizhong Bank loans mainly include micro-loans, micro-industrial loans and micro-car loans. It is very convenient to apply for a low threshold and a high quota, but even with such a welfare loan platform, there will still be many lenders who will not repay on time. What will happen if Weizhong Bank loans?

1) bears a high penalty interest.

If Weizhong Bank can't repay, the first thing it faces is penalty interest, such as micro-loan. After the micro-loan is overdue, 50% of the agreed interest will be charged every day. The specific calculation formula is: overdue interest = overdue amount * overdue days * daily interest rate *( 1+50%).

2) Encounter fancy collection

Although Weizhong Bank will not collect money maliciously like some usurers, it will also contact the relatives and friends of the lender to collect money by telephone or SMS. Overnight, relatives and friends all know that you owe money and don't pay it back.

3) credited to the People's Bank of China for credit investigation.

Loans overdue, Weizhong Bank, is not sure that it received the credit information at the meeting. Credit information is tainted, which not only affects the application for loans and credit cards in the future, but also seriously disrupts daily life, such as not being able to buy train tickets and plane tickets, and children not being able to go to school normally.

4) facing legal prosecution

If Weizhong Bank fails to repay or intentionally fails to repay, the defendant will be in danger of going to court. Once the court decides that Weizhong Bank wins the case, the borrower not only needs to pay back the money, but also pays the litigation costs and huge fines of both parties. If the borrower refuses to implement it, it will be included in the "blacklist" of untrustworthy people and even face jail.

Second, we2000 petty cash is operated by Weizhong Bank led by Tencent. It is a small cash commodity, and its characteristics are more like microfinance.

We2000 The loan period for paying the reserve fund is one year. Customers who successfully open the we2000 reserve fund can use the reserve fund to pay when the balance is insufficient.

We must attach importance to the application of WE2000 payment reserve fund, mainly in order to better reach the customer's emergency consumption market. Therefore, it is only based on WeChat payment, QQ payment, UnionPay online payment and JD.COM flash payment, and it is only used for daily consumer merchants to send WeChat red envelopes, and cannot be used for non-daily consumer industries such as house purchase, project investment and mobile games.

The We2000 reserve fund can be used to repay the loan anytime and anywhere during the application period. If the customer has used up all the credit lines, of course, the credit line will be displayed as 0 when the loan is not repaid. Generally speaking, you can repair the application again just by clearing overdraft card's bill. If it is borrowed again, it is very likely that it must be approved.

3. How to open the We2000 reserve fund of Weizhong Bank? The following are the specific opening steps.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 8.0. 16

Open WeChat and search for the official WeChat account of Weizhong Bank We2000.

Enter the official WeChat account and click "WeChat authorized login".

Login succeeded, click "Open Now".

Enter your name, ID number and bank card information, and click Next.

After the approval is successful, the reserve fund amount can be obtained.

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 agreements 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. "