What is 7 14 online loan?
Many people don't know the meaning of 7 14 online loan. In fact, it refers to the loan with a short loan period of 7 days or 14 days, which is also commonly known as anti-aircraft gun. This kind of online loan is easy for the platform to make money, recover funds, and more; For borrowers, the threshold is low, repayment is easy, and they borrow more.
In terms of borrowing money, the interests of online lending platforms and borrowers are the same, so there are many such online loans. When borrowing money, you can pay more attention to the loan cycle.
Why did you fall into the predicament of 7 14 online loan?
Most friends say that they don't read the terms carefully when borrowing money. They just want to pay quickly, so they are grateful. If the one-time loan is not enough, they will borrow it for seven days, 14 days, which makes the review easier and the payment faster. However, I didn't expect that there are several seven days in a month, but the salary will not be paid until one month, and I will soon face the "repayment date when I open my eyes"
Many other friends said that they actually knew it was a high-interest hole, but other loans were due, and the money was always insufficient. Being a moonlight clan has led to a vicious circle of supporting loans with loans.
What should I do if I don't close my account when I meet repayment?
7 14 online loan interest rate is high, and many people really want to pay back after borrowing money. If they want to end this loan relationship, they will choose to negotiate with the platform to reduce some interest. Some platforms are informal, and the collection personnel have not received formal training. There is often a phenomenon that interest is reduced through negotiation, but it is not written off after repayment. There may be three situations where there is no write-off:
1. cheated from beginning to end
There have been such cases, in which some criminals know the borrower's information through gray channels to defraud, and they are basically not the staff of the depository platform.
2. The collection staff will corrupt the repayment.
Some informal collectors are heavily in debt, and the collectors transfer the repayment amount to the collector's account. Of course, collectors "enjoy" themselves without conscience. If it is found that there is no write-off, contact the customer service of the platform and send the repayment records, chat records and other evidence to the customer service to see how the platform handles it. Generally speaking, loan platforms are disgusted with such employees. If you meet them, you will deal with them seriously and write off the debtors.
3. This is the hidden rule of the platform.
If it is still useless to talk to customer service, it can show that this kind of black-box operation of the platform has been done more than once, and even the platform acquiesced. At this time, everyone can sue or complain about rights protection. The Internet has a special complaint reporting platform, and you can also call the Internet Finance Association to expose the report. Now this piece of management is very strict, and violent collection has been rectified a lot.
Precautions for repayment:
1. Confirm the identity of the other party when chatting with the collection staff, and don't be cheated by criminals.
2. If possible, try to keep the telephone recordings, online chat records, repayment records and other evidence with the collection personnel, just in case.
3. Repay in the APP as much as possible, perhaps for a public account rather than a personal account.
4. Please ask the official customer service to confirm whether it is accurate repayment information.
In short, friends must pay attention to the above matters after the deadline to reduce the possibility of being cheated.