Repayment by transfer can be made on the first page of transfer or through bank card. Many users have encountered situations where they don't know where to repay when using transfer. If you can't repay on the home page, you can repay from the bank card. If it still doesn't work, you can consult customer service. If it cannot be solved in the end, you need to protect yourself through legal means to avoid overdue and credit problems.

1. Is installment repayment an old habit?

Not exactly. If the debtor is really unable to repay the debt, it may negotiate with the creditor to postpone or repay the debt by installments. Lao Lai refers to a person who has broken his promise, that is, after the judgment and ruling of the people's court, the person subjected to execution has the ability to perform but fails to perform the obligations specified in the effective legal documents. If installment repayment is implemented, as long as the repayment obligation is fulfilled on time and the creditor does not sue and apply for enforcement, it will not be within the scope of Lao Lai.

Article 5 14 of the Civil Code, which came into effect according to 202 1 1.

Unless otherwise provided by law or agreed by the parties, the creditor may request the debtor to perform the debt in the legal tender of the actual place of performance.

Second, how long will it take for loans overdue to comply with the credit report?

Generally speaking, users will be overdue for three days. According to the regulations of the People's Bank of China, all card-issuing banks are required to regularly transmit customers' consumption and special repayment records, and these records cannot be tampered with. Banks will not make any bad comments on users' usage records, but will only give real feedback on users' historical usage records without making any subjective judgments. Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the loan principal and interest to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the formation of a loan that exceeds the agreed term.

To sum up, if the credit card debt exceeds 50,000 yuan, and the issuing bank fails to return it after two effective collections for more than three months, it will be investigated for criminal responsibility according to law. No matter when and where, you must repay the loan in time, and don't be overdue.