The credit information of 1 will leave a stain.
After 360 loans overdue, the platform will report the overdue situation to the credit report, leaving a record of non-performing loans on the credit report, which will be affected in future credit activities or when applying for some positions.
After the credit information is damaged, even if the overdue loan is paid off, the overdue record will still be retained for 5 years, which has a far-reaching impact.
2. It will be collected by the platform.
Once 360 loans overdue, the platform will definitely contact by phone or SMS to urge overdue debts to be returned as soon as possible. Under normal circumstances, the platform will only accept my money and will not harass my family.
3. There will be many overdue penalty interests.
After loans overdue, the overdue penalty interest charged by the platform accountant is charged on a daily basis, and the penalty interest for one day overdue is more than the normal loan interest, so the longer the overdue time, the more penalty interest will be generated.
4. The loan contract will be terminated early.
If the overdue period is long, and there is no will to settle the overdue debt as soon as possible, the platform will terminate the loan contract ahead of time according to the loan contract, requiring the early settlement of the loan, which will directly increase the repayment pressure.
5. Malicious overdue will be prosecuted by the platform.
For example, if you have the repayment ability, but you still deliberately default on the loan, in this case, the platform will solve the debt problem through legal channels and sue in order to safeguard its own rights and interests.
6, the impact of online lending big data.
After loans overdue, some measures taken by the platform will have a negative impact on online lending big data.
7. It will be included in the list of people who have lost their trust.
If the platform still refuses to repay the loan as agreed and refuses to fulfill its debt obligations after the prosecution, it will be included in the list of untrustworthy people and will be restricted from high consumption in future life and transportation.
8. The loan amount will be reduced or frozen.
Loans overdue explained that the risk was rising, and the platform would reduce the loan line or freeze the credit line in order not to further expand the risk.
9. You can no longer enjoy some preferential policies.
Before the deadline, 360 IOUs may have a favorable loan interest rate for people with good credit, but once overdue, the system is likely to withdraw the preferential policy, so it is necessary to bear a higher loan interest rate when borrowing in the future.
It can be seen that once the 360 loan is overdue, the consequences will be more serious. In order to avoid these situations, we should keep calm before applying for a loan. We need to fully consider our income and borrow reasonably within the scope of personal economic conditions, so as not to bring too much debt pressure in the future.
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Extended data:
How long does it take to approve the 360 loan amount?
Generally, the result can be obtained on the day when the 360 deduction amount is approved.
The whole process of 360 IOU line approval is operated by the system without manual participation, so generally, the approval speed of 360 IOU line is relatively fast, and the results can be produced in ten minutes at the earliest. Of course, for different users and different personal qualifications, the approval time will be different. Sometimes the application volume is too large and the platform quota is tight, which will also slow down the approval speed of the line, but the results will be produced within three days at the earliest.
If the user's 360 debit line is displayed for a long time, it may be caused by the following reasons.
1. User's personal qualifications do not meet the platform requirements, such as overdue credit records, high personal debt ratio, and poor credit reporting.
At this time, users need to pay off the overdue and improve their credit for a period of time before they can try to apply.
2. After the user registered for 360 IOUs, they didn't use them for a long time, which led to the expiration of the previously filled information and affected the approval of offline payment.
At this point, users can update their personal data and reapply.