1. Call the customer service hotline actively. If you want to postpone repayment, you need to call the customer service hotline first. After the hotline is connected, you need to explain to the customer service that the current economic situation is not good and you can't repay the loan on time, and apply for deferred repayment. Maintain a sincere attitude in communication and truly explain the reasons for economic difficulties.
2. Wait for the post-loan management specialist to call back. After submitting the agreement repayment application, the customer service will register and forward your request to the post-loan management specialist. The post-loan management specialist will call back the customer through the official hotline in a few days.
3. Upload relevant certification materials. After the loan is over, the management specialist will open a window to upload the proof materials on Ant Micro-loan, and will prompt "Customer service calls the customer to submit the voucher", which needs to be uploaded within the specified time. The voucher is mainly used to prove that it is really impossible to repay due to financial difficulties. Relevant supporting materials must be provided before the post-loan management specialist can recognize the reason why the customer can't repay the loan.
4. Wait for the post-loan management specialist to call back. After the certification materials are reviewed, the post-loan management specialist will call back the customer through the official hotline. According to the formal process, the post-loan management specialist will inform the job number and provide a plan for delaying repayment. After getting the scheme, the customer has 15 to 30 days to consider it. If you are not satisfied with the deferred repayment plan, you can continue to negotiate with the post-loan management specialist about the specific content of the plan.
5. Repay according to the deferred repayment plan. After confirming the deferred repayment plan with the post-loan management specialist, it is necessary to make repayment according to the plan. If it is not overdue, the loan interest will be charged normally when the repayment is postponed. It is overdue, and the overdue repayment period will constantly remind you.
6. Apply for fee waiver. After paying off the overdue debt, you can call the customer service hotline again and apply to the customer service for reducing the overdue fee. The specific amount of relief is subject to the customer service reply. It should be noted that there is a certain probability that the application for reducing the overdue fee will fail, and you can try to call the application several times.