The distinctive feature of flowers as a widely used consumer credit product is the abundance of flexible repayments, including on-time payments, early repayments and deferred repayments. But how does the process of applying for an extension of repayment take place in the event of economic hardship that it is not possible to repay the arrears

How can you request an extension

In the first place, the client’s service is shown after the due date by means of a telephone call to pay for the customer’s services, ensuring that the client is aware of your intention to repay the money and your current financial situation. At this point in time, communication must be sincere and not be maliciously overdue。

Once you have submitted an application, the service will be registered and further contact will be made by telephone with professionals in the post-credit sector. In the course of these consultations, you can ask for instalments, extensions, etc. Then, a window will be opened for uploading the certificate, prompting you to submit a certificate of poverty, medical certificate, etc. Once the material is submitted, the information will be verified in a timely manner and its security will be strictly confidential。

Upon completion of the audit, you will receive a telephone call, and the customer service will inform you of the offer to defer payment. Once you agree to this negotiated repayment option, the client service will be advised of the matter. It is worth noting that while the stoppage would suspend collection, the overdue interest would accrue as usual. In addition, you can apply for a further fee credit after the loan expires。

At the same time, users need to avoid spending too late, including: rational consumption, which does not exceed the individual ' s financial capacity; regular repayments to ensure that bills are paid in a timely manner; and active communication, giving timely notice of the payment of the customer ' s services and proposing an appropriate repayment programme when special circumstances prevent them from paying regularly。