Now, as long as the loan interest of CreditEase Pratt & Whitney does not exceed the national standard, the overdue borrower must find a way to pay it off. Personal credit will be seriously affected if the overdue time is too long. Users should pay attention to the fact that if users have settled on the online loan platform, they should first ask the customer service to issue a settlement certificate.
In most cases, the overdue fee for online loans can be reduced, and users can apply for reduction as long as they provide irresistible reasons. In the regulations of financial institutions, as long as the borrower is overdue due to force majeure, he can apply for deferred repayment or penalty interest reduction.
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I. Handling methods for outstanding loans of CreditEase:
1. The overdue interest and overdue fine will not be calculated during the grace period, but after the grace period. The overdue fine is 5% of the arrears, and the interest is calculated at the daily interest rate of 0.05%.
2. If it is overdue once, it will be repaid immediately in a short time, which will not affect personal credit.
3. It has a certain influence on exit.
4. If it is overdue for more than 60 days, the overdue record will be uploaded to the personal credit information system.
5. If loans overdue lasts more than 90 days, CreditEase will mark your credit as bad, which will affect your re-applying for a loan in the future.
Second, several small measures after the deadline.
1, non-malicious arrears. Most people are overdue not because they deliberately default on their debts, but because they don't pay back other expenses except normal repayment. For example: annual fee, interest, late payment fee, etc. Sometimes the cancellation of a credit card is overdue. In this case, the cardholder can pay off the arrears, complain to the issuing bank about the non-malicious arrears and explain the reasons. This operation has a certain chance to eliminate personal bad overdue records.
2. The third party fails to repay the loan. When we repay, we sometimes choose a third party to repay, and sometimes the third party's repayment will not arrive in real time, such as inter-bank transfer, online banking transfer repayment failure, and binding inter-bank automatic deduction failure.
3. The bank's fault. Don't think that there is nothing wrong with the bank, for example, there is no notice for the annual fee adjustment of credit cards; The weekend system upgrade cannot be deducted; The existence of overlord treaty leads to overdue customers. This behavior belongs to the fault of the bank, and you can appeal to the bank to eliminate the bad record of the credit card.
The bill hasn't been received yet. Credit card repayment is generally based on the bill. If the cardholder fails to receive the bank bill in time, he can ask for amendment on the grounds that the bill has not been received. After the bank verifies the situation, the bank will basically accept it.
5. The small amount of arrears has not been paid. Most people may pay in whole numbers, and some odd numbers will not be too concerned, which will easily become overdue. Now banks generally have reserve funds. As long as your unpaid amount is less than 10 yuan (different banks have different requirements), the bank is not overdue. If any bank record is out of date, you can ask the bank to cancel it.
6. Overdue due to false information. Sometimes overdue is not a personal reason, but because the bank audit is not strict, resulting in personal information being fraudulently used or incorrect. In these cases, you can go to the local people's bank to file an objection application, and usually you can get a reply within 15 working days, and this bad overdue will be eliminated immediately.