Many people borrow money through 360 when they are in urgent need of money, but they can't repay it on time, and it is overdue for a long time. At this time, the borrower can negotiate with the platform for repayment. During the negotiation, he can directly contact customer service to explain the reasons for his inability to repay, and then he can apply to repay the interest first and then the principal or reduce the monthly repayment amount. The general platform will agree.
The loan handled by the user on the 360 IOU must not be overdue, because there will be penalty interest for overdue repayment. The longer the time, the more penalty interest. And after the deadline, the platform will also collect money. The common collection method is to call the borrower. This kind of collection may affect the basic life of individuals and will always be urged to return it.
It is worth noting that after 360 loans overdue, it will be uploaded to the credit information center by the system, which will lead to the deterioration of personal credit information and affect the subsequent re-processing of various loans. Moreover, after the overdue arrears are returned, this overdue record will continue to be kept in the credit report for 5 years, and will automatically disappear after 5 years, and will not always be recorded in the credit report.
In fact, when 360 IOUs are unable to repay, users can repay them by borrowing from relatives and friends, which can effectively avoid overdue and credit deterioration. However, when borrowing money, it is best to specify the date of repayment, and don't borrow money from relatives and friends many times, so as not to cause resentment to others.
In order to prevent users from going to loans overdue on 360 IOUs, users should choose appropriate installment times and repayment methods according to their own income when applying for loans, so as to ensure timely repayment and avoid overdue situations. In fact, when you apply for a loan, you should know in advance what kind of income you will use to return it.
Finally, there are many ways to borrow money online. When users use 360 IOUs, they can compare with other lending platforms, and then choose the one with low interest rate, so that they can pay less interest after borrowing, which is conducive to the subsequent repayment of arrears. However, when choosing a platform, we must choose a formal platform and avoid borrowing from an informal platform.
How to negotiate if 360 debt is unable to repay?
If 360 IOUs are unable to repay, customers are advised to call 400-6030360 (Monday to Sunday: 8: 00 to 24: 00) to contact the platform customer service, make it clear that they are unable to repay, and provide relevant data to prove that they have not repaid their debts intentionally, and offer their willingness to repay. Then, they can try to apply for an extension of the repayment period and repay the debt in installments. 360 borrowing platform should be considered as appropriate.
If negotiation fails once, the repayment plan can be adjusted and discussed many times. Of course, in addition to consulting customer service, customers can actually try to borrow money from relatives and friends around them.
How can I negotiate with the other party when I owe 360 arrears?
If 360 loans overdue wants to negotiate, customers can directly call the service hotline 400-6030360 (the service time is from 8 am to 24 pm from Monday to Sunday) to explain the situation to the customer service staff.
Explain clearly the individual's ability to temporarily refuse to repay, and at the same time, you can provide corresponding supporting materials to express your willingness to repay actively; Then you can try to apply for an extension of the repayment period and repay the arrears in installments. 360 IOUs will be considered as appropriate. If an agreement is finally reached, the customer will discuss with the other party a new repayment plan suitable for their own economic situation, and then repay the loan in installments on time according to the new plan.