If the user's credit card is overdue for more than one day, a credit card overdue record will be generated. Users are advised to pay overdraft funds as soon as possible on the last day of credit card repayment period to avoid generating overdue credit card records.

What will happen to lightning loans overdue?

First, the influence of personal credit.

Lightning loan has reached strategic cooperation with eight personal credit reporting agencies. If the repayment is overdue, it will be reported by the meeting, which will affect personal credit and future loans.

Second, deduct the pre-authorization amount.

When applying for a lightning loan, the user binds a bank card. If it is overdue, the pre-authorization limit will be deducted from the lightning loan, which will affect the personal credit limit.

Third, there will be overdue penalty interest.

The overdue interest of lightning loan is high, and the overdue fee is 0.5%/ day. Loan 10000, one day overdue in 50 yuan. The economic pressure brought by such high overdue interest is self-evident, so Bian Xiao reminds everyone to pay off the repayment amount within the agreed time limit to avoid adding additional economic burden.

Fourth, it has a negative impact on life.

On the first day after lightning strikes loans overdue, you will receive a text message to remind you. If it is overdue for three days, the customer service will communicate by phone to find out the reason. If the explanation is clear and the repayment is made in time, the problem will not be great. If you continue to ignore it, the customer service will call for a long time to collect it.