Sheep are generally overdue for half a month and will receive a dunning letter. Generally speaking, it is very dangerous to be overdue for more than half a year, and it is likely to be prosecuted. Yang Xiaosao received a letter of credit at the meeting. Although Yang Xiaosao didn't check the credit information at the time of application, she will report the credit information after the next payment. This kind of loan with credit information must be repaid on time after use. If it is overdue or not returned, it will leave a bad record on the credit investigation, which will affect the future credit application. However, Yang Xiaosao has a three-day grace period for repayment. As long as he repays within the grace period, his personal credit will not be affected.

1. It is relatively easy to apply for a loan. As long as the borrower is 22 years old and has a stable source of income, he can apply by submitting information such as identity authentication, face video authentication, company information and contact information. Do not check the credit information when applying. Only check the loan, and the whole process system will approve it. No call back. After approval, it will generally arrive within 1-5 working days.

2. The maximum application amount for raising a little sister-in-law is 50,000 yuan, and the longest service period can be divided into 12 months. The information required for the application is actually the same as the previous credit wallet. You only need to provide personal authentication and face recognition, and then provide basic personal information. The age range of open application is over 22 years old, users with stable work income and good credit information.

Third, in fact, from 10 to 1, the payment rate of credit wallet has been kept very good, and there are many cases of the next payment. The next payment of this product is also mentioned in the market daily. According to the feedback from users who recently submitted Yang Xiaoman's next payment application, after Yang Xiaoman submitted it for approval, the whole process was approved by the system, and there was no telephone call back. In terms of interest, taking the application in 20001February as an example, the monthly repayment amount is about 2266.67 (the daily comprehensive interest rate is about 0.0986%, and the actual interest rate is subject to the actual interest rate at the time of borrowing).

legal ground

civil law

Article 676

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Article 678

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 667

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.