Second, the overall overdue means that the collection is coming soon. What we have to do at this time is to communicate with our families. Whatever the reason, we have to communicate. Delaying or hiding blindly is asking for trouble. Paper can never contain fire, not only for yourself, but also for your family.
Third, unless your income is considerable, besides meeting the needs of life and family, you can also consider making some repayment plans. Otherwise, any idea of repayment is futile. Ensuring the life of yourself and your family is fundamental, and the rest will be discussed later.
Fourth, we must also face collection. It is not feasible to turn off the phone, change the number or set up telephone interception. Calling doesn't mean everyone has to answer it. In the early stage, you can answer one or two calls after ten calls, and you can not answer them at all after two or three months.
Fifth, if a complete set is sorted out, any credit card and online loan should be handled uniformly. This is efficient and the purpose can be clear. If you are not sure whether you have the money to pay it back, don't promise to pay it back next week or a few days later. Just say it won't be paid for half a year or a year in the short term. Otherwise, there will be more calls if you promise.
Sixth, it is completely overdue. At this time, evaluate all your liabilities and assets, and those with assets can plan how to pay off the debts. If you don't have any assets, don't take money from your family and friends to pay off your debts. It will be more troublesome if it is not finished. Especially if you take money from your family, you will definitely regret it in the end.
Seventh, the most important thing is to work and increase income. Don't think that you can't finish your work because you owe so much debt. If you can't even survive, let alone pay your debts.
The eighth point is to recognize yourself. After all, we are ordinary people with limited abilities. It's no use worrying. Time will give us the answer. What you need to do at this time is to improve your ability while working. It was easy to make money in the past, and we must work hard to make money in the future. If you don't have the ability, just think about speculating to make quick money, and there will be more pits waiting for you in front.
Ninth, now is not the worst time. If you mess around, I'm afraid you will be ruined even if you have the opportunity in the future, especially if you don't go to extremes and break the law.
Guangxi guy owed Alipay 2.59 million yuan, and failed to unload Alipay after the deadline. The result is silly! Guangxi guy borrowed 2.59 million from Alipay, and when he had no money to pay back on the repayment date, he unloaded Alipay, thinking that he could not find himself. After the result came out, the guy was shocked!
However, netizens' attention is not on the results. Many netizens expressed their curiosity about why boys in Guangxi have such a high quota of 2.59 million. It seems that netizens' eyes are discerning, and they always care about the level of places, but they don't care about the punishment results that are not on themselves. Actually, it's true. If it wasn't for punishment, no one would care. Only 2.59 million naked places are the most enviable.
Alipay has many functions of borrowing money, such as spending money, borrowing money, and online business loans. It can be said that today's Alipay is no longer a simple payment tool, and overdraft consumption and peer-to-peer lending have become the most concerned topics for users in Alipay, so some netizens said that Alipay might as well be renamed as "Lending Treasure"! But netizens still don't understand why Alipay can borrow so much money. Let's see:
1, sesame loan, up to 300,000 yuan, sesame score above 600 points. Now most people can easily meet the standards.
2. Online business loans, with a maximum score of 500 points, are committed to helping small and medium-sized enterprises, which can be described as a classic of online merchant banks.
3, sesame flowers. After the introduction of flower buds and borrowing buds, they are very popular in the market, and many internet giants have also entered this market. Sesame flower is one of them. The application threshold on the WeChat public platform is low and can be opened without invitation. Be more generous and friendly to users who are short of money. Generally, it is not difficult to apply for 200,000 to 200,000 for the first time. Many users use sweet potatoes as a supplement and borrow buds to save the emergency.
The loan amount of Guangxi boy network online merchants is 2.59 million yuan. I borrowed 2.59 million yuan, but it didn't move when it expired, so I uninstalled Alipay, and the result was obvious.
At first, Alipay customer service called for collection.
Then, it was outsourced to a collection company.
Come again, be sued.
A few months later, the Guangxi guy was enforced, became a faithless person and upgraded to Lao Lai.
The result is good. I thought it was just a simple online loan, but I didn't expect the Guangxi guy to become Lao Lai in the end.
If it were you, would you do it? Welcome to leave a message for discussion!
Never overdue, so I have no experience. But I can give you some advice.
First, choose a reliable platform and don't rush to the hospital. I have used many loan platforms, not counting flowers. I put it on my credit card. Alipay Lending, JD.COM Gold Bar and CCB Express Loan are all reliable platforms and are unlikely to fall into the whirlpool of online lending. I only choose reliable platforms and don't touch those platforms that can use ID cards for loans. My family has a cousin who borrowed a campus loan during college and has no money to pay it back. The platform debt collector harassed my elder's phone all over, and finally the alarm ended, and my cousin was forced to drop out of school. Moreover, the cost is very small, and there are too many cases exposed online.
Second, don't use up the quota of all platforms. As the saying goes, dressing, eating, tailoring, and doing what we can are all things we must learn. In terms of borrowing, I think what needs to be measured is whether there are channels for you to turn around if you have no money to repay the loan. I borrowed money from JD.COM Gold Bar. Is there a loan line that can be turned over when it expires? If you use up the quota of all platforms, you will be at the end of your tether and face the dilemma of loans overdue. First, it will affect your credit information, and second, it may ruin your life. A friend was afraid to tell his wife because he was unemployed. He still goes out early and returns late every day, pretending to be at work, and then goes to the online lending platform to borrow money to live. Finally, the card debt was overdue, or my wife borrowed money from home. And it only solved the current problem temporarily, and it was a long time later, which directly led to the breakdown of their family. Therefore, the card debt really should not be overdue easily. Do you know the interest of 1 10,000 Yuan You saws at 5.5 yuan, and what is the converted annual interest? It's almost 18, while CCB's fast loan is only 4.3. If this interest is overdue again, it will snowball, which is terrible.
Third, rational consumption. I don't know what most of the money borrowed by the lending platform is used for, but I suggest not to spend it on satisfying my shopping desire. I don't know if you feel this way. If you buy things online, you won't feel bad about money. I usually measure things in cash in my life, but online shopping is very casual. I can't help seeing cheap and good goods, and I can't wait to win them all, whether they are used or not. This feeling is especially obvious when watching the live broadcast. Seeing the products on the anchor shelf, so cheap, so many people grab them, but they don't grab them themselves, as if they had suffered a big loss. But think about it, when you don't watch the live broadcast, don't you live well, without the influence of those things. The most important marketing for businesses is to arouse our desires. If our desires are not restrained, it will be terrible. The most terrible thing is when you face the garden bill.
I have some experience in restraining shopping desire. The first is to divert attention. Don't stare at the studio when you are bored. You can choose to read novels, play games or do sports. If you can improve your ability and learn a skill, it will be of great benefit. Second, don't leave yourself too much room to play. What do you mean? Don't leave more cash on your card than your living expenses. As long as I think spending this will make my life a problem, I probably won't want to spend money. Earnings such as wages can be kept by parents, or they can buy wealth management and save it for a fixed period of time. In short, choose a road that you can't walk. The third is to learn financial management. Learn to manage money, not because you have money to manage, but to cultivate awareness. When you study financial management, you will learn how to identify the marketing traps of businesses. Maybe you can be more rational in the face of double eleven and double twelve.
Back to the problem itself, if it is overdue, don't let the snowball get bigger and bigger. If your family can help, you might as well ask for help from your family. Don't be afraid of being scolded by your family. If you can't help, you may have to find other ways to borrow money. Be careful not to increase your credit card debt burden. I really suggest learning about financial management, so that you won't be so blind when borrowing money. There are many financial courses on Alipay, and you can get points.
Finally, you can find a sideline, give yourself a source, increase your income, it will be easier to repay the loan, and it may open another door for you.
After Alipay was overdue, I called customer service to report it. Originally, I wanted to negotiate installment repayment, but the negotiation failed. Later, I didn't pay much attention to the collection. This month, the three parties called to inquire about the situation and suggested that I have a monthly repayment flow. I intend to put it on the agenda. There are still three credit cards outstanding. JD.COM also urged. At present, there are two platforms, a credit card (agreement) account. I'll negotiate first and pay off the debts I can afford first. After all, one was missing, and then one was cleared and another was cancelled. In short, there is no other way but to make money and find a way to pay it back. The only way is to report to the platform, negotiate as soon as possible, strive for more repayment time, control consumption on the basis of making money, avoid unnecessary expenses and repay quickly. [punch] [punch] [punch]
Tell me about my personal experience. My "reserve fund" is overdue, and it is twice. However, the overdue time was not long, and the money was returned after three or five days.
Because the overdue time is not long, it has not affected my credit score. However, it is undeniable that if your overdue time is too long, it will definitely affect your credit score, and it is very likely that your record of dishonesty will be uploaded to the credit information system of the People's Bank of China.
Based on my personal experience, I give you the following suggestions.
First, if it's just overdue, don't panic. Just pay back the money within three to five days, which has no effect on your credit score and credit investigation.
Second, if you can't pay off your debts in just three to five days on your own, you will have to ask relatives and friends for help. It is recommended to ask your close friends for help first. If your friends can't help you, you can't help your relatives and parents any more. This will naturally not let relatives and parents worry about you.
Third, if you don't want friends and relatives to help you because of your face and self-esteem, you can consult Alipay's customer service and ask how long it will affect your credit score and credit investigation at most. During this time, you can try to find other ways to solve it, such as paying your boss in advance for emergency or asking your colleagues for help.
Finally, my advice to you is: of course, avant-garde ideas and behaviors have a good side, but they must also have a bad side, such as overdue affecting credit reporting. Traditional ideas are conservative, but they also have great benefits. For example, if you have no debt, but have some savings, then there will be no such trouble as overdue.
Most importantly, if you have a certain amount of savings, you will have the ability to resist risks when you encounter unexpected situations, such as unemployment, family changes and emergencies.
Some time ago, when the epidemic in the United States was the worst, we often saw a news that Americans committed suicide because of unemployment. The reason is debt. In fact, if you think about it carefully, unemployment is really not a big deal, but for a person in debt, it is sometimes worse than the separation of his wife and children and the death of his family.
Finally, let me talk about my own feelings. I also have debts now, from Alipay and credit cards. Although the debt is not much, it makes me breathless. The original difficulty is the embarrassment caused by this epidemic. Of course, if there is an emergency, my debt will not make me commit suicide. But what I fear most is debt dependence. Once I get into the habit of dependence, it's hard to get rid of it. It is conceivable that debt is likely to snowball. If there was an emergency in my life at that time, I would really be cornered.
I hope to pay off my debts as soon as possible and start saving to prevent risks and accidents in my later life.
I hope my advice can help you and encourage friends who are also in debt!
It hasn't expired yet. This month is overdue. I plan to pay back a little every month! Call again, don't hide if you owe money, and try to earn money to pay back the bill. A year is less than five years, and five years is less than ten years. Be prepared for a protracted war. [Laughing] [Laughing]
Alipay flower garden, regular online loan credit card, overdue. The best way is to directly ask the bank to stop paying. After all, you have spent money, and you have to pay back the money you owe. Ignore the dunner and talk to the person in charge of the bank directly to explain your difficulties. The bank will divide the principal into several installments. If it is really unable to repay, it will have to wait for the judicial process. Here is a point, except for illegal online lending platforms.
It depends on whether you have a stable job now. If yes, pay Alipay first every month. When the repayment date comes, if Alipay has no money to pay back, there will be a three-day penalty-free buffer period. After 7 days, the flower garden function will be temporarily frozen, and after 30 days, it will be permanently frozen. This is really the credit report at the meeting. Please pay attention! If it is a non-legal online lending platform, the interest rate exceeds the national regulations, so don't worry. If it is available, it will be repaid, and if it is not, it will be delayed. They don't usually sue you. It's too much trouble. The prosecution will take half a year and the execution period will be half a year. A year has passed. After the prosecution, the principal and interest can only be repaid within the prescribed scope! Now I just pay Alipay first every month, and I will pay online loans if I have extra money. If not, I'll put it off, that is, my relatives and friends know that phone messages harass me badly, and that's all. Now I am working alone and slowly returning, and I am expected to go ashore this year! Come on, brother!
/kloc-at the end of 0/6, all my credit cards and online loans were overdue because my husband's company's capital chain was broken and there was no money to repay. Every day, the collection of telephone calls is like a reminder. The collection was neglected at that time. He can call you eight generations of ancestors when answering the phone, and either the public security bureau will arrest you today or he will come tomorrow to unload his arms and legs. When he first faced these things, he was afraid every day. Even if there is no money to pay back in the future, you can't get the money if you kill me. If you call again, you won't answer. Do whatever you want! Slowly up to now, the collection is getting less and less, money is getting harder and harder to earn, and it is not easy to turn over when you are heavily in debt. Take your time.