If loans overdue of Gome Easy Card, you can contact customer service to apply and negotiate the repayment period and method.
However, loans overdue, the borrower has no substantial difficulties. Negotiation with Gome Easy Card for repayment may not be successful, and repayment must be made according to the loan agreement.
If you encounter major difficulties, such as sudden illness, loss of work ability and no income, Gome Easy Card will require proof of poverty, unemployment and serious illness, and may be exempted from fees, but the principal must be returned.
If the user has a certain repayment ability, Gome Easy Card will only reduce some interest at most, but the repayment period and method can be negotiated.
Gome Yika divides consumer finance into online consumer finance and offline consumer finance. Products cover installment consumption, cash withdrawal, provident fund loans, credit card services, etc.
Platform advantage
Gome E-Card integrates the advantages of online and offline resources, deepens the development model of "scenario+finance+technology", accelerates the penetration of on-site industries, strengthens the breakthrough of external scenarios, promotes the extension of inclusive finance scenarios by innovative scientific and technological means, and provides customers with omni-channel and integrated products and services through a diversified family financial service system.
Gome Easy Card has completed the business layout of 2,400 offline stores in more than 700 cities across the country, providing a full range of consumer staging services for more than 26 million users.
Risk prevention and control
Gome Yika takes the big data-driven operation marketing system "Compass (TMH)" and the risk control system "Water Drop (NCM)" as the core, comprehensively monitors all links, and directly refines key issues such as operation, digital marketing and risk control in combination with application scenarios. Big data drives new finance and creates real new finance.
Product introduction
Staging consumption: the quality of new products is guaranteed, and there is no need to wait for life. Spend first, then pay.
Withdrawal of consumption: apply for the quota once and recycle it within the validity period; According to the credit line, a higher credit line of 200,000 pounds can be obtained.
Provident fund loan: you can apply for provident fund, and you can get 200 thousand if you are higher.
Gome Easy Card is still operating normally. If you want to apply for a loan from Gome Easy Card or make installment consumption, the applicant must be at least 18 years old, have full capacity for civil conduct, have good personal credit and have certain repayment ability.
If you can't apply successfully, you can spend money on Gome and Gome Online, or handle some wealth management business in Gome Finance to show your economic strength and maintain your personal credit.
Gome Easy Card Platform has been connected to the credit information system of the People's Bank of China. If you want to apply for a loan from Gome Easy Card or use Gome Easy Card for shopping, you need to authorize Gome Easy Card to check the credit information.
If Gome E-Card is frequently used, the borrower's credit information may have multiple loan approval inquiry records. There are too many such inquiry records, so it will be difficult to apply for other loans in the future.
What if Gome Easy Card sues me?
Users can negotiate repayment with Gome Easy Card after being sued by Gome Easy Card. After negotiating the repayment time and amount, the user can repay the loan on time, and Gome Easy Card will drop the lawsuit. Moreover, even if a lawsuit is brought to the court, the court will let the two lenders negotiate first, and compulsory measures will be taken after the negotiation fails. After the negotiation is successful, the court will not intervene.
Therefore, after Gome E-card is overdue, users must contact Gome E-card as soon as possible, indicating that they will settle the arrears as soon as possible.
What if Gome Easy Card can't pay back the money?
Gome e-card can be paid by calling the official customer service phone. If the payment cannot be made on time due to system reasons, users need to keep relevant evidence and then make a complaint. If you can't repay on time due to your own reasons, you can apply for deferred repayment or installment repayment. You can't make overdue payments. After overdue, it will not only generate high penalty interest, but also upload overdue records to the credit information system.
1. Gome Easy Card has no money solution as follows:
1 loan repayment
When Gome Easy Card has no money to repay, the borrower can repay by borrowing money. You can borrow money from relatives and friends first to solve the current repayment problem. Don't delay because you haven't arrived yet, or even affect the credit investigation. When the funds are sufficient, repay the money to relatives and friends.
2 negotiated repayment
In the case that Gome Easy Card has no money to repay, the borrower can apply to Gome Easy Card for negotiation repayment, indicating his personal willingness to repay. Due to financial problems, it is really impossible to repay. If you apply to repay the interest first and then the principal, you can also reduce the monthly repayment amount to negotiate repayment.
If Gome Easy Card has no money to repay, it should explain the situation to Gome Easy Card customer service in time. Don't wait until it is overdue, then tell the customer service that there is no money to pay back, and don't think that Gome Easy Card will not pay back if it has no money. If it doesn't pay back the money, the consequences will be very serious.
2. Gome E-Card integrates the advantages of online and offline resources, deepens the development model of "scenario+finance+technology", accelerates the penetration of the on-site industry, strengthens the breakthrough of external scenarios, promotes the extension of inclusive finance scenarios by innovative scientific and technological means, and provides customers with omni-channel, integrated products and services through a diversified family financial service system. [3] Gome Easy Card has completed the business layout of 2,400 offline stores in more than 700 cities across the country, providing a full range of consumer staging services for more than 26 million users.
Third, risk prevention and control.
Gome Yika takes the big data-driven operation marketing system "Compass (TMH)" and the risk control system "Water Drop (NCM)" as the core, comprehensively monitors all links, and directly refines key issues such as operation, digital marketing and risk control in combination with application scenarios. Big data drives new finance and creates real new finance.
What should I do if Gome Easy Card is overdue?
1. Sufficient repayment ability.
Users have sufficient repayment ability, but due to reasons such as forgetting to repay, repayment failure, etc. They can pay off their overdue debts in one lump sum after they are overdue, and first remove the overdue status of Gome Easy Card. After that, users need to call the customer service hotline of Gome Easy Card to apply for not uploading overdue records. When the overdue time of Gome Easy Card is short and the historical repayment record is good, the customer service staff may agree to the user's request, so that the overdue record will not be uploaded to the personal credit report and will not affect the user's personal credit report.
Overdue records have been uploaded to personal credit information, so users can pay off overdue debts as soon as possible, and the negative impact of overdue records can be minimized. In this way, after paying off Gome Easy Card, users can ask Gome Easy Card to issue a non-malicious overdue certificate, which users can show when applying for other loans in the future.
2. Insufficient repayment ability
When the user's repayment ability is insufficient, it is impossible to pay off the overdue debt at one time. At this time, you can use the following four methods to solve the problem:
(1) Apply to Gome Easy Card for repayment negotiation.
After using Gome e-card, users should take the initiative to call the customer service hotline of Gome e-card, and first explain the overdue reasons to the customer service, indicating that they are not maliciously overdue. Then I told the customer service that my current economic situation was not good, and finally I applied to the customer service for negotiation and repayment. Calling to apply for negotiation can't be successful at one time. During this period, users need to call several times to apply for negotiation. After the customer service agrees to negotiate with the user, it usually requires the user to upload relevant certification materials to prove that he is really unable to repay the loan. After the user uploads the proof materials as required, the customer service will give a reply within a few working days. Usually, both parties can negotiate a repayment plan through review. If the audit fails, the customer service will ask the user to upload the proof materials again.
After successful negotiation, the user can make repayment according to the negotiation agreement. The overdue amount during the repayment period will not be charged with overdue interest, and users will not encounter a large number of collections. If negotiation fails, users can only use the following methods to solve the overdue problem of Gome Easy Card.
Borrow money from friends and relatives around you.
Users can borrow money directly from relatives and friends around them, and then return the money directly to Gome Easy Card. Because you borrow money from relatives and friends, you usually owe each other a favor, which needs to be returned later. Moreover, you must confess to your relatives and friends the reasons for borrowing money and the reasons for overdue. After all, the other party will not lend a sum of money for no reason.
(3) Selling assets and idle items
When there are assets and idle items under the user name, you can get some funds quickly by selling them at a low price. Doing so will make users bear some losses, but it can quickly pay off the debt of Gome Easy Card. Subsequent users' economic situation has improved, and they still have the opportunity to buy back previously sold assets and idle items.
(4) Increase revenue and reduce expenditure.
Users can actively increase their income and reduce unnecessary expenses, thus improving their repayment ability. After the repayment ability is improved, users can make an executable repayment plan and then repay slowly according to the repayment plan. Although this can't pay off the overdue debts at one time, as long as the user starts to repay, Gome Easy Card will think that the user has a good willingness to repay, so that the user will not be sued in the future.
What will happen if Gome Easy Card is overdue?
After Gome's electronic card is overdue, it will mainly have the following consequences:
1. Overdue records affect personal credit information: After Gome E-Card is overdue, it will upload overdue records to personal credit information, resulting in poor personal credit information.
2. Add overdue interest: Gome Easy Card will add overdue interest according to the number of overdue days. The longer the overdue days, the more interest will be generated.
3. Encounter a lot of collection: During the overdue period, users will encounter a lot of collection from Gome Easy Card, which will affect the daily life of users and others around them.
4. Being sued for serious overdue: When the Gome E-card is overdue, you can directly sue the user. After being sued, the court usually decides that the user loses the case, so that the user not only needs to return overdue principal and interest, penalty interest, liquidated damages, etc. , but also need to bear additional legal fees and other expenses.
After Gome E-card is overdue, you can apply for remedy in time as long as you pay off the overdue debts in time and call the customer service hotline to apply for not uploading overdue records. The overdue record has been uploaded, and the user has paid off the overdue debt. Overdue records will be automatically deleted after 5 years. When users are unable to repay, they can apply to Gome Easy Card for negotiation repayment.