In today ' s rich number of optional loan platforms, a platform called the "Easy Flower " has drawn our attention. Some users have asked the question: would it affect the letter of request if the loan was borrowed with an easy flower and repaid one day late? Let us discuss this in detail。

A day late at a payout

To be clear, a delay of one day does not affect your letter of call as far as the AE platform is concerned. But if you're overdue for more than three days, your overdue records will be uploaded into the system. Therefore, in order to avoid a negative impact on individual letters, the arrears should be reimbursed within three days of the deadline。

THE PENALTY IS CALCULATED AFTER THE EXPIRY OF ONE DAY AT THE DAILY RATE OF 0.31 TP3T, WHICH CAN BE CALCULATED BY MEANS OF THE FORMULA “AT THE RATE OF INTEREST = THE AMOUNT DUE* THE DAY AFTER THE DUE DATE*”. FOR EXAMPLE, IF YOU BORROW $10,000 OVER ONE DAY, YOU WILL INCUR A FINE OF 10000*1*0.3% = 30。

What are the possible adverse effects of late borrowing? First, there would be additional interest-rate costs arising from the delay, which would accrue on a day-to-day basis based on the length of the delay. Second, the delay leaves a bad record in your personal letter report, which affects your future credit application. Moreover, if you are too long overdue, the Accompanying Flower Platform will close your amount and you will not be able to borrow again. The Platform will also collect repayments by means of telephone or text messages. This collection will continue until all settlement is completed. Ultimately, your name may be added to the list of persons who have lost their trust if the delay is so severe that they are prosecuted by the court and refuse to pay interest on the debt after the prosecution. If this were to be achieved, the assets in the customer ' s name might be frozen and the impact would be greater。

As a result of those discussions, we have reason to stress that the consequences of the overdue loan are very serious. We should actively fulfil our obligation to pay and avoid any negative impact on letters of call。