Xiaoying Kadai will call the emergency contact number every week.
1. Generally, Xiaoying Card Loan will call the borrower one day after the due date and ask the borrower to repay. If the borrower does not repay or does not answer the phone, it will call the borrower one week later. Call the emergency contact number to request repayment. It’s hard to say exactly how many days, but certainly no more than two weeks, before you get calls from you and those around you. In addition, if you do not repay the money, there will be other consequences. First, you will face overdue penalty interest. The total penalty interest for Xiaoying Card Loan = the remaining overdue principal × the expected annual interest rate of the corresponding penalty interest × the number of overdue days, and the day after the repayment date The number of overdue days is calculated based on natural days, and the estimated annual default interest rate is 1/1000/day.
2. If the user uses Xiaoying Card Loan beyond the validity period, and if the validity period is less than three days, fees will be charged via text message. If it is overdue within 3 to 7 days, the Xiaoying Card Loan Specialist will call the lender's own phone number for collection. If the payment is overdue for more than 7 days, the number in the address book will be called to collect the payment. If the payment is overdue for more than one month, Xiaoying Kadai can entrust an outsourcing company to collect the payment. Typically, this collection is done at home. Xiaoying Card Loan will be subject to a credit investigation by the central bank, that is, the overdue record of Xiaoying Card Loan will be included in the personal credit report and will be eliminated within five years from the date of payment of the debt.
3. Users who apply for Xiaoying Card Loan should repay the loan in time and do not exceed the deadline. Once overdue, each overdue fee will be charged, the overdue account will be frozen, and you will not be able to continue borrowing until the repayment is unfrozen. If the debt is overdue for more than 7 days and the debtor cannot be contacted, the Xiaoying Card loan officer will communicate with the emergency contact person to assist in repayment. When making an emergency call, Xiaoying Kadai will confirm the repayment ability of the overdue person with the contact person, and then negotiate and deal with the overdue person based on the actual situation. After receiving an overdue contact notice, it is best to reimburse as soon as possible. If the application for a Xiaoying Card loan is overdue, bad debts will appear on the user's credit report. If you are able to repay certain fees, you can negotiate with the backend to waive these fees.
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Do not deliberately lose contact. Applicants should negotiate with the loan financial institution if they encounter any problems. Xiaoying Kadai is favored by many lenders due to its faster speed and faster review process. However, after this part of the loan, some people did not repay on time, so there were some overdue behaviors. Of course, microfinance is similar to credit cards in several ways, namely the establishment of delinquency and some time limits.
Operating environment: Xiaoying Kadai 4.2.8