The possibility that some users might inadvertently default when borrowing was used was a cause for concern to many. As a formal lending platform, it is true that the negative impact of borrowing over time cannot be underestimated. So, how long before the letter's due? Could an extension be requested

How long will it take? Can you apply for an extension

First, borrowing and flowers, while they belong to the same platform, are treated differently. The loan does not set a grace period for users, which means that it will have an impact on the creditworthiness of individuals from the first day of the overdue period. Whether or not to submit a letter of call depends on the circumstances. Not all users are connected to the system。

If you don't have a connection to the system, you don't have to worry. However, if the system is already connected, there may be a credit stain from day one. But that doesn't mean you can't apply for another loan. The effects will vary depending on the extent of the delay. Generally, the shorter the delay, the smaller the negative impact. Some short-term delays, such as in a few days, are often ignored by financial platforms。

For those users who have been unable to pay on time for a long time, the issue of negotiated repayments has become a key issue rather than a sign-off. In fact, the financial platform is willing to negotiate, but it is more difficult. For financial institutions, the timely recovery of arrears would ensure their own interests, which would inevitably be affected by negotiated repayments. As a result, the success rate of negotiated repayments has been low。

However, if you can provide sufficient evidence that there is no current capacity to repay, such as a certificate of income or other financial evidence, the success rate of negotiated repayments will increase significantly. The platform prefers to see users eventually repay, rather than always default。

In any case, it was best to avoid being overdue, so as to avoid causing unnecessary trouble to oneself。