Ctrip owes 24,000 yuan and is unable to repay it. What should I do if it threatens to sue?

Ctrip.com can sue me for not being able to pay back the loan. It can repay in the following three ways:

1. Contact customer service: After discovering that the loan is overdue, the borrower must immediately establish a relationship with Ctrip Financial Loan customer service, explain the reason for the overdue personal loan, and strive for additional repayment time;

2. Negotiate the loan repayment plan, If the borrower is unable to repay the loan immediately, he or she can consult Ctrip customer service to modify the loan repayment plan, such as installment payment;

3. Early repayment: Overdue loans may affect the normal progress of personal credit reporting. So the borrower must raise funds in advance to repay the loan. Does Ctrip Finance have any consequences? Users who are still in debt should repay as soon as possible

;? After applying for a loan, some borrowers will encounter some economic crises, causing the loan to be overdue. After the loan is overdue, the borrower's repayment pressure will further increase, and the borrower will worry about many issues, such as whether it will be subject to a credit report and the impact of overdue loans. What are the consequences of not having Ctrip Finance? Users who still owe money should pay it back as soon as possible!

What are the consequences of not having Ctrip Finance?

1. Credit reference Ctrip Finance conducts credit reference at the meeting. Although Ctrip Financial has many institutions that lend money, and some financial institutions have not yet connected to the credit reference system, when borrowers apply, Ctrip Finance will check the borrower's credit report. The borrower's loan repayment and overdue records on Ctrip Finance will basically be reported to the credit bureau. If the borrower is overdue for more than 90 days, it is seriously overdue, which is a very malicious tainted record. If the borrower's credit report has very serious credit stains, he or she will basically apply for any credit product from other financial institutions and become a "blacklisted user."

2. Facing collection Ctrip Finance is a private small loan institution. When the borrower's loan is overdue, Ctrip Finance will definitely have specialized collection personnel to collect the debt from the borrower. If the borrower fails to repay the debt, the number of debt collections will become more and more frequent. At first, it will usually be in the form of phone calls and text messages. If the payment is overdue for more than 90 days, Ctrip Finance may choose to sue the borrower.

3. Being sued. If the borrower is sued by Ctrip Finance, and if Ctrip Finance wins the lawsuit, the borrower will still be unable to pay off the debt after the court enforces it. Will be listed as a dishonest person subject to enforcement, which will have a certain negative impact on the borrower's normal life. The above is the sharing of relevant content about "What are the consequences of Ctrip Finance"? I hope it can help everyone! Can Ctrip Finance negotiate with customer service to repay part of the loan first if it is overdue?

Yes

Yes, if the loan expires and you are unable to repay it, you can negotiate with Ctrip Finance customer service to repay it, but will you be able to repay it in the end? The success of the negotiation depends on the results of Ctrip Financial's review. Ctrip Finance itself does not provide deferred repayment services, so under normal circumstances users cannot apply for deferred repayment and can only repay on the repayment date. In most cases, applying for negotiated repayment may give you an opportunity to repay the loan. It is recommended that you try to negotiate.