4hw.com.cn: with the wide use of credit investigation, personal credit becomes more and more important. If you don't pay attention to small things in life, it will become a stain in personal credit investigation. What will happen to the overdue small wallet? On the credit report?
Is Xiaohua wallet overdue?
Long term overdue or malicious non repayment will be recorded in the personal credit system of the people's Bank of China Shanghai credit. In serious cases, you will not be able to handle all kinds of financial businesses and bear corresponding legal liabilities. Credit is wealth. Please cherish your credit.
How to charge the overdue fee of Xiaohua wallet?
Overdue fee includes: overdue service fee and overdue liquidated damages.
1) Overdue service fee: collected on schedule, no more increase after 61 days overdue
1-4 days overdue: 0 yuan;
5-10 days overdue: 20 yuan;
11-30 days overdue: 40 yuan;
31-60 days overdue: 60 yuan;
Overdue & Ge; 61 days: 120 yuan;
2) Overdue liquidated damages = (loan principal - accumulated principal repaid up to (excluding) the current day) & times; 0.1% & times; overdue days
How to solve overdue?
After overdue, you can deposit the full amount of loan principal and interest (including overdue expenses) into the corresponding repayment savings card, and the system will automatically deduct money for you. The overdue record will be automatically cancelled within 24 hours after the deduction is successful, and the account will also be automatically unfrozen, and you can borrow again.