1. Call the customer service phone of the lending institution.
If the car loan contract stipulates a grace period for repayment, which is generally 1-3 days, then the car loan will not be deducted on the same day, and the deduction on the next day is not overdue. There is no grace period for car loans, and there is no deduction on the repayment date. Deduction the next day will be regarded as overdue repayment. In addition to overdue interest, overdue records will also be uploaded to the credit report. Therefore, it is best for users to repay on the repayment date. If the system fails to deduct money, they should take the initiative to contact the lending institution and take the initiative to repay. We can call the customer service hotline of the bank or institution applying for the loan to explain to the staff that the deduction of the car loan failed, and then the staff will give a reasonable solution. The general customer service staff will provide you with another repayment account, just transfer the money to the account.
Second, WeChat platform repayment
In the payment interface of WeChat APP, we can see the column of credit card repayment, just click in, then select the corresponding car loan card, enter the repayment amount and click Repay Now.
Running environment: download WeChat APP8.0. 15.
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1, emergency
The need depends on the situation. If there is a grace period for repayment in the car loan contract (the grace period is generally 1-3 days), then it is not overdue without deduction on that day, and we only need to complete the repayment within the grace period. If there is no grace period in the contract, one day overdue is regarded as overdue repayment, and the overdue record is uploaded to the credit record according to the process. Of course, if the failure of deduction is caused by banks or lending institutions and has nothing to do with users, then this situation is not overdue. Even if the overdue records are uploaded to the credit report, we can apply for reconsideration and finally ask the bank to modify the credit report. If the deduction fails in the morning, the repayment will not be overdue, and the second repayment will be completed automatically or manually on the specified repayment date.
2. Grace period
If the loan still has a grace period, it will not be judged as overdue as long as it is returned within the grace period. Overdue repayment refers to the situation that the amount owed is not deposited into the designated account in full and on time beyond the final repayment period stipulated by the credit institution. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned.