Meituan loan is unable to repay, and users can choose to negotiate repayment with Meituan. After calling the customer service hotline of Meituan Loan, users can explain the reasons for their overdue, and then take the initiative to apply for negotiated repayment. After submitting the negotiated repayment, Meituan Loan Association will review the user, and after the review is passed, Meituan Loan Association will agree to the user's negotiated repayment request.
Usually, users are overdue for special reasons, and Meituan Loan Association will consider it as appropriate. At this time, the chances of successful negotiations will increase. Of course, it is normal for negotiations to fail.
1, negotiate repayment
When the owed loan cannot be repaid, the borrower will try to negotiate with the lending platform at the first time, postpone repayment, or reduce or exempt certain loan interest.
Generally speaking, most platforms will not pass the agreement repayment for the first time, because the overdue penalty interest is also a point for the US Mission to borrow money for profit.
Therefore, if possible, it is suggested that the borrower can go to the neighborhood Committee or village Committee to issue a certificate of financial difficulties. With the personal identification information provided by the borrower, such as proof of financial difficulties, Meituan will consider the possibility of negotiating repayment after verification.
If Meituan insists on refusing to negotiate loan repayment, the borrower can also appropriately express the meaning of raising the loan interest rate. If the borrower does have a certain repayment ability, then considering the profit problem, Meituan may agree to negotiate repayment when borrowing.
Step 2 ask relatives and friends for help
When there is a shortage of funds at hand and there is no way to borrow money from other places, asking for help from relatives and friends is the quickest way. After all, there is no interest on borrowing money from relatives and friends, and repayment is easier to negotiate.
The amount of loans that Meituan can provide to borrowers by borrowing money is not high, and borrowers can generally get together with a few more people to help. Regardless of personal face, the most important thing at present is to pay back the arrears as soon as possible to minimize the impact after the deadline.
Step 3 sell assets
If the overdue amount is not much, the borrower can try to sell some of his assets. For example, electronic products that are not commonly used, such as mobile phones, tablets, game consoles, etc. You can also choose to mortgage or sell your own property, such as houses, cars, watches, etc. Or you can change a sum of money to repay the overdue loan.
In short, what borrowers need to do is to repay as soon as possible. The longer overdue records exist, the greater the negative impact. Those who have the ability to repay on time must repay in time, on time and in full.
Meituan's borrowing money has been connected to the central bank's credit information system. Once the US Mission borrows money, it will be considered overdue. After the deadline, the overdue records will be uploaded to the central bank for credit reporting, which will affect personal credit reporting.
Three ways of negotiating repayment by the US Mission
If Meituan can't lend money, customers can call the financial service hotline 95 172 directly and negotiate with the customer service staff of Meituan Platform through manual service channels. First of all, explain your intention, tell the other party that you are unable to repay, and provide corresponding information to prove that you are really unable to repay. Don't deliberately owe money, express your sincere repayment ideas. Then, you can try to apply for an extension of the repayment period and repay the arrears in installments. The Meituan platform will consider it as appropriate. Extended information: Meituan Small Loan is a loan product launched by Meituan Review. Lending treasure is an online loan service provided by Meituan Company to users, which is relatively safe and reliable. Only qualified high-quality users can open a US group to borrow money. The pure credit loan mode is adopted, and you can apply quickly without any mortgage or guarantee and without providing complicated application materials. The way for Meituan to borrow money is 1. Enter Meituan's personal account, update and improve personal information, and the more detailed the better (this will help improve the credit line and pass rate); 2. Enter the Meituan wallet loan function, carefully read and authorize personal information use authorization and personal credit authorization; 3. After the authorization is completed, everyone can get the credit line and successfully open the loan of Meituan. The application condition of Meituan Loan is 1. Applicants are between 18-60 years old, and those who are not within this range cannot apply. The age limit for borrowing money quickly can be said to be very loose. At present, many similar loan openings generally require the borrower to be a young man of 18-35. Compared with borrow money fast, the age threshold is lower. 2. The applicant has a fixed job and a stable income. In order to ensure that the borrower has sufficient repayment ability, fast loan also requires the borrower to have a stable job and income, so that the final loan will not be collected and form bad debts. Meituan Credit Card has a minimum loan amount of 3,000 yuan and a maximum loan amount of 50,000 yuan. The actual amount is related to your qualifications and credit. The better your conditions, the higher your credit limit. The specific amount is subject to the actual situation. Product Advantages The advantage of Meituan Small Loan in risk control is that Meituan Review has accumulated many years of industry data in the catering industry. With the help of artificial intelligence technology, the problem of information asymmetry between borrowers and lenders can be effectively solved, and the time for reviewing customer loan information can be shortened while strengthening risk control. Meituan Small Loan uses new technologies such as OCR recognition and face recognition provided by Meituan Cloud to help users complete loan applications, and the overall service efficiency of Meituan Small Loan has been greatly improved. After the customer uploads the ID card, the system can automatically identify the identity information, and the recognition accuracy rate is over 97%, basically without any relevant input operation; Then face recognition technology is used to guide the user to blink and other actions to confirm the living body, and then it is compared with the ID card photo in real time. What should I do if the money of Meituan is not paid?
The US Mission has two overdue negotiation plans:
First, directly call the artificial customer service of Meituan to explain your situation, and then apply for a three-day extension of repayment. As long as the borrower has a good repayment attitude and sufficient reasons for delaying repayment, it is relatively easy to apply for a three-day delay in repayment.
Second, the borrower directly negotiates with the customer service to extend the repayment period. After the borrower applies, the customer service will review and evaluate according to the reasons given by the borrower and the information provided. If the assessment passes, the borrower can successfully extend the repayment period. If the evaluation fails, the borrower must repay the loan according to the original repayment plan.
What happens if the loan of Meituan is overdue?
The overdue loan of Meituan will have the following consequences: overdue records will be uploaded to the credit information, resulting in poor personal credit information; The system will charge overdue interest according to the number of overdue days; Users will encounter text messages and phone calls during the overdue period; In the overdue state, users can't continue to use Meituan loan service; Even if the overdue debts are paid off, there is no guarantee that you can continue to borrow money from Meituan.
Therefore, the consequences of overdue loans by the US Mission are more serious. Once overdue, please pay off the overdue debt as soon as possible to reduce the negative impact of overdue.
: Introduction of Meituan and its website
1. meituan, the full name of which is "Beijing sankuai online technology co., ltd.", is a group buying website established by Wang Xingyu on March 4th, 20th/kloc-0, with its headquarters in Chaoyang district, Beijing.
The mission of Meituan is "Better Together". As the leading e-commerce platform for life service in China, the company has apps that consumers are familiar with, such as Meituan, Public Comment and Meituan Takeaway. Services cover more than 200 categories such as catering, take-away, fresh retail, taxi, bicycle enjoyment, hotel tourism, movies, leisure and entertainment, and the business covers 2,800 counties and cities across the country. In 20021110/0, Meituan released the third quarter financial report of 20021. Meituan's revenue in the third quarter was 48.83 billion yuan, a year-on-year increase of 37.9%, and the market expected 48.573 billion yuan.
Second, the mission of Meituan is to "help everyone eat better and live better". As the leading e-commerce platform for life service in China, the company has apps that consumers are familiar with, such as Meituan, Public Comment and Meituan Takeaway. Services cover more than 200 categories such as catering, take-away, fresh retail, taxi, bicycle enjoyment, hotel tourism, movies, leisure and entertainment, and the business covers 2,800 counties and cities across the country. At present, the strategic focus of Meituan is to build a multi-level scientific and technological service platform for life service industry with "eating" as the core and from demand side to supply side. At the same time, Meituan is striving to build itself into a social enterprise, hoping to build a smart city and create a better life through in-depth cooperation with party and government departments, university research institutes, mainstream media, non-profit organizations and ecological partners.
What if Meituan can't repay the loan?
If the user of Meituan cannot repay the loan on Meituan for personal reasons, you can refer to the following points:
1. Take the initiative to contact Meituan customer service to apply for deferred repayment.
The path to apply for deferred repayment of Meituan is: open Meituan-click on "My" in the lower right corner-enter the personal page-click on the page "My Wallet"-click on the page "Pay the bill"-"Deferred repayment", and click on the application for deferred repayment.
Tips:
(1) If the user of Meituan fails to apply for deferred repayment before the repayment date, it will be deemed as overdue, and the interest of Meituan will be charged at the daily interest rate of 0.05%. In addition, Meituan will repay the loan after the deadline, which will seriously affect the personal life of users.
(2) After the user submits the deferred repayment, the staff of Meituan will contact the customer, who needs to explain the reasons for the deferred repayment this month and provide supporting materials before agreeing to the user's application for deferred repayment. In addition, Meituan will review the information provided by the customer and confirm that what the customer said is consistent with the facts before agreeing to the customer's application for deferred repayment.