1. Penalty interest and late fee: Smart Puhua will incur penalty interest and late fee if it is overdue for one day. The specific amount depends on the contract and local regulations. Usually, the penalty interest is calculated according to a certain proportion of the overdue loan amount, and the late payment fee is calculated according to the number of overdue days. The amount of penalty interest and overdue fine is clearly stipulated in the loan details or contract provided by Wisdom Puhua.
2. Affect personal credit: One day's overdue repayment by Wisdom Puhua will have a negative impact on personal credit records. Overdue records will be submitted to the basic database of personal credit information of the People's Bank of China, which may affect personal credit rating and access conditions for applying for other credit products.
3. Collection measures and legal consequences: Wisdom Puhua can take collection measures to require the borrower to repay after one day's overdue repayment. In the process of collection, Wisdom Puhua will take appropriate legal measures according to relevant laws and regulations, such as telephone collection and door-to-door collection. If the borrower refuses to repay or is unable to repay, Wisdom Puhua has the right to bring a lawsuit to the court and ask the borrower to fulfill the repayment obligation and recover the loan.
Summary: One day's overdue repayment by Wisdom Puhua will result in penalty interest and late payment fee, and have a negative impact on personal credit record. If the borrower refuses to repay or is unable to repay, Wisdom Puhua has the right to take collection measures to recover the loan.
Extended data:
According to China's Contract Law and Consumer Protection Law, borrowers should fulfill their repayment obligations on schedule. Overdue repayment will lead to breach of contract and may bear corresponding legal consequences. According to the Criminal Law of People's Republic of China (PRC), if the borrower refuses to pay the due debt, the amount is huge and the circumstances are serious, it may also constitute the crime of fraud or the crime of refusing to pay labor remuneration.
According to the development of China's financial market, Wisdom Puhua may cooperate with cooperative banks or online small loan companies. The repayment methods of Wisdom Puhua may include online payment channels such as bank automatic deduction, Alipay and WeChat payment. Please pay close attention to the repayment method and date in the contract and loan details to ensure timely repayment and avoid overdue and corresponding legal consequences.
The above is a description of Wisdom Puhua's overdue repayment for one day, for reference only. The specific situation may be different due to personal credit rating, contract terms and local laws. In case of overdue repayment, please consult professional institutions or legal advisers for accurate opinions and suggestions.