Consequence of Gitzo not uploading the invoice: 1. Liquidated damages: According to the regulations of Gitzo Consumer Finance, if the borrower fails to upload the consumption voucher as required by the contract, Gitzo will charge the borrower the liquidated damages from 200 yuan. 2. Impact on the comprehensive credit rating: If the borrower fails to upload the qualified consumption certificate as required by the loan contract, it will affect the comprehensive credit rating, which is an act of dishonesty.
What will happen if the Gitzo invoice is not uploaded?
Gitzo Consumer Finance Co., Ltd. was established on 201010. As one of the first four pilot consumer finance companies approved by CBRC, Gitzo Consumer Finance Co., Ltd. became the first and only wholly foreign-owned consumer finance company in China. Gitzo practices the concept of inclusive finance, insists on safe and responsible lending, combines international experience with local market, realizes localized operation, and deepens the consumer finance market.
The business scope of Gitzo: 1, granting personal consumption loans; 2. Accept deposits from domestic subsidiaries of shareholders and domestic shareholders; 3. Borrowing from domestic financial institutions; 4. Approve the issuance of financial bonds; 5. Domestic interbank borrowing; 6. Consulting and agency business related to consumer finance; 7. Acting to sell insurance products related to consumer loans; 8. Fixed income securities investment business; 9. Other businesses approved by the CBRC.
Although Gitzo will collect the borrower's liquidated damages without uploading the invoice, Gitzo will return the 200 yuan liquidated damages to the account within 7- 10 working days after the borrower uploads the qualified consumption voucher later. The impact on the comprehensive credit rating is more serious. Once the comprehensive credit rating is downgraded, Gitzo's credit line and loan interest rate may undergo major changes.
Can I not upload the coupons?
There is something wrong with not uploading the coupons. Credit card coupons must be uploaded. Of course, if the user can't upload the coupons due to objective reasons such as the loss of credit card coupons, I must contact the bank in time and explain the situation clearly, otherwise the personal credit card account is likely to be frozen by the bank. If the loan is not uploaded, the borrower will ask the borrower to pay off the remaining unpaid amount together, and even ask the borrower to pay a certain penalty, which may also lead the borrower to apply for the next loan again.
Uploading process and function of consumer vouchers
Generally speaking, the bank's credit card coupons need to be operated after receiving the bank's upload request, and not every user has to upload them. Users need to upload personal credit card coupons through mobile banking after receiving the notification of uploading coupons. Under normal circumstances, the number of coupons is uploaded as the consumption amount. This is a risk control behavior of banks, mainly to prevent cardholders from using credit lines for illegal consumption.
What will happen if you don't upload coupons? There are two main points.
; ? Uploading consumer vouchers is a risk control measure adopted by banks or other financial institutions to ensure the compliance of borrowers' use of funds. Since the other party has made an upload request, the borrower can only comply. Who makes the other party a creditor and himself a debtor? Moreover, some people think that uploading coupons is too troublesome and want to know the consequences of not uploading coupons. Let's talk to you briefly.
Consequences of not uploading consumer vouchers
We can roughly understand the consequences from the perspective of lending institutions and their own loan demand:
1. Line cancellation, resulting in liquidated damages.
From the perspective of lending institutions, since it is required to upload consumption vouchers, it shows that there are certain doubts. For example, it is found that lenders have the same amount of money invested in the stock market, but there is no evidence, so lenders need to prove their innocence.
If you are lucky enough not to upload, or think uploading is too troublesome, you should measure your loan demand and see which is more important.
All the credit lines of ordinary borrowers will be cancelled, and the used lines need to be returned in one lump sum, and a certain amount of liquidated damages will be paid, because failure to upload will mean guilty conscience, and the use of funds will default.
2, affect personal credit
Uploading consumer vouchers is the contract content of many lending institutions. If you don't upload it, it means that there is dishonesty, which means that you are afraid that the lending institution will know that the loan funds are not used for normal consumption.
Once personal credit declines, it will not only be blacklisted by this lending institution, but also shared by other lending institutions through big data. Once discovered, it may also refuse its loan application.
The above is about "the consequences of not uploading coupons". It is not good to lose money and lose confidence in coupons because of small losses.
The consequences of Gitzo's failure to upload consumer vouchers
The consequences of Gitzo's failure to upload consumer vouchers include liquidated damages and the impact on the comprehensive credit rating.
According to the regulations of Gitzo Consumer Finance, if the borrower fails to upload the consumption voucher as required by the contract, Gitzo will charge the borrower a penalty from 200 yuan. However, after the borrower uploads the qualified coupons again later, Gitzo will return the 200 yuan penalty to the account within 7- 10 working days.
If the borrower fails to upload the qualified consumption certificate as agreed in the loan contract, the comprehensive credit rating will be affected. After all, it is an act of dishonesty not to perform the contract. Once the comprehensive credit rating is downgraded, Gitzo's credit line and loan interest rate may undergo major changes.
As one of the first four pilot consumer finance companies approved by CBRC, Gitzo Consumer Finance Co., Ltd. became the first wholly foreign-owned consumer finance company in China.
Gitzo Consumer Finance Co., Ltd. was established on 20101010. As a fully compliant licensed consumer finance company, it officially opened in China at the end of 20 10, and its shareholder is Gitzo Group, a leading international consumer finance service provider. Gitzo is committed to providing responsible financial credit and inclusive finance services to those groups that cannot be covered by traditional financial services, especially those with few credit records. Its business covers more than 300 cities in 29 provinces and cities.
Gitzo actively deployed intelligent customer service, and artificial intelligence products such as intelligent robots and quality inspection robots were widely used in various scenarios, and the operational efficiency was significantly improved. With excellent data capture and analysis capabilities, combined with modern cutting-edge scientific and technological means such as big data, cloud services, automation and biometric detection, Gitzo has penetrated its core risk control and management capabilities into every link of business processes, thus achieving efficient and instant service to every customer and becoming their lifelong and reliable high-quality financial service partner.
Gitzo Group is committed to becoming a responsible financial service provider in every country in which it operates, combining international experience with the local market, and always taking building safe consumer loan products as its responsibility and mission.
Gitzo practices the concept of inclusive finance, insists on safe and responsible lending, combines international experience with local market, realizes "localized" operation, and deepens the consumer finance market.