As long as the loan interest of CreditEase Pratt & Whitney does not exceed the national standard interest, the borrower should find a way to pay it off when it is overdue. Personal credit will be seriously affected if the overdue time is too long. Users need to pay attention. If the user has settled on the online loan platform, he should first ask the customer service to issue a settlement certificate.
In most cases, the overdue fee for online loans can be reduced, and users can apply for reduction as long as they provide irresistible reasons.
In the regulations of financial institutions, as long as the borrower is overdue due to force majeure, he can apply for deferred repayment or penalty interest reduction.
Online loan products are the most popular way of lending at present. Compared with bank loans, their application method is very convenient and the required information is very simple. However, most online lending platforms in the market charge higher interest. Once the turnover is not enough, it is easy to fall into the situation of multi-loan and multi-loan, and even online loans will be overdue.
The best way to deal with overdue online loans;
1. Find out your overdue records and make a form, indicating the loan time, loan amount, repayment amount and overdue amount.
2. Then call the customer service phone of the online loan platform one by one, ask for voluntary repayment, explain the personal situation, and apply for a penalty interest reduction. Can I only repay the principal and interest, and be exempted from liquidated damages and penalty interest?
3. Work hard, save the cost of living, repay on schedule every month, and pay off all loans on one platform and one platform.