② After users enter the blacklist of credit information, their life will be restricted, and users will be restricted from traveling by plane, high-speed rail and staying in star-rated hotels. Other high-consumption behaviors will also be restricted, which will bring a lot of inconvenience.
(3) If the users who enter the credit blacklist fail to fulfill the obligation of paying off the debts, the users with serious circumstances may be sued by the lending institutions, and the bank accounts and personal assets of the users will be frozen after the court accepts them.
(4) Users who enter the blacklist of credit information will have a certain adverse impact on their work, and their children will therefore not be able to attend key schools.
What are the legal consequences if credit information is blacked out after it is overdue?
If there is a bad credit record or the credit is blacked out, the most direct result is that you can't apply for any loans in the future, you can't engage in any work or industry related to financial accounting, and your credit rating will be very low, so you can't be the guarantor or lender of the loan.
This situation will have a great impact on life, so we need to find ways to solve the reasons that affect credit information and reply to bad credit records. If there is anything unclear, you can consult a lawyer.
How to negotiate with the bank to extend the time after the deadline?
1. Take the initiative to contact the bank for negotiation. After the repayment is overdue, the sooner the better. Take the initiative to contact the bank to negotiate, and don't call more than once. Because most banks have principal installments, the longest repayment period is 60 years, and the intermediate banks don't earn any interest, so it's not successful as soon as they start.
2. Sincerely show that you are willing to repay. When negotiating repayment, you must tell the bank that you are not overdrawn maliciously, and explain your situation to the bank that you can't repay in full and on time at present, but you have work income, and you will try to raise money to repay, and see if you can negotiate a repayment plan acceptable to both parties.
3. Keep relevant evidence at any time. Whether it is negotiating with the bank for repayment or being violently collected, relevant evidence should be kept and then fed back to the bank. It is said that the success rate of negotiation will be higher, but the premise is that users should always maintain a civilized and friendly attitude.
How to calculate the interest after overdue is reasonable?
At present, the annual interest rate allowed by the state for private lending is 14.8%, and financial institutions should not exceed 24%, so the statutory interest of different lending platforms is different. At present, there are many informal online lending platforms. In fact, they illegally charge interest by charging fees and beheading interest, which leads debtors to borrow usury without knowing it.
legal ground
"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed in Disbelief"
Article 9 Citizens, legal persons or other organizations that should not be included in the list of persons subjected to dishonesty shall be included in the list of persons subjected to dishonesty Article 7 People's courts at all levels shall input the information of the list of persons subjected to dishonesty into the database of the list of persons subjected to dishonesty in the Supreme People's Court, and publish it to the society through the list database. The people's courts at all levels may, according to the actual situation in various places, publish the list of people who have been executed for breach of trust through newspapers, radio, television, internet, court bulletin boards, etc., or regularly announce to the public the implementation of the list system of people who have been executed for breach of trust in their own courts and courts under their jurisdiction through press conferences. The people's court shall revoke the information of dishonesty within three working days. If the recorded and published information is inaccurate, the people's court shall correct it within three working days.