There’s no one who doesn’t know toss, right? Toss, which only supported simple remittance services just a few years ago, is now launching a variety of service functions as it receives a lot of attention from people. The service we will look at today is Toss postpaid payment.
Toss postpaid payment-cash
To be precise, what you are curious about is not the simple Toss deferred payment system, but what happens when the payment is overdue, and whether it is possible to cash out through deferred payment, right?
Now Toss also belongs to the first financial sector. Since it is a first-tier financial institution, it feels reliable and many people use the postpayment function.
index
① Toss deferred payment credit rating impact
②What happens if my deferred payment is overdue?
③Very high overdue interest
④Toss deferred payment cashing
⑤When cashing is detected
⑥When deferred payment cannot be canceled
Toss deferred payment credit rating impact
Now, among those who plan to use or have used Toss postpaid payment, one or two people definitely think the following.
“Won’t using this cause problems with my credit rating?”
There are some people who are secretly worried that it will affect them when they take out a loan later. In fact, if you’re this worried, you shouldn’t use postpay in the first place.
There has been a lot of talk, but the bottom line is that all you have to do is avoid late payments.
As long as you give it on time and not late, there will be no problem. This is because deferred payment is also a credit transaction.
What happens if I delinquent on my deferred payment?
If 5 business days have passed since the payment date, a short-term delinquency record will remain.
If short-term delinquency information is registered, it will have a negative impact on your credit score and there is a high chance that your use of the deferred payment service will be suspended.
If the payment is 2 weeks, or 14 days, overdue, the paper you were afraid of will not be delivered. However, use of the deferred payment service will be suspended, and a late payment fee will be charged for the overdue principal.
However, if the payment is overdue for a long period of time, it may be entrusted to a debt collection company for management, and legal action may be taken in accordance with relevant laws and regulations.
Please know that the payment date cannot be postponed.
very high interest rates
I believe that the people who came to read my article are people who have either delinquent their Toss postpayment payments or are planning to delinquent their payments due to bad circumstances.
If you fail to make a payment, you will be charged a very high interest rate for late payment, which cannot be ignored.
And if payment is not made after a certain period of time, your bank account or card will be suspended and cannot be used. In extreme cases, the bank account may be seized and cannot be used.
However, although it is not accurate, it is said that if the amount to be paid is less than 100,000 won, delinquent information will not be shared.
Please resolve the overdue amount as quickly as possible as it may be recorded internally by the relevant financial company, that is, Toss.
Toss deferred payment cashing
Since you came to my post knowing about Toss postpaid payment cashing, I don’t need to explain, right?
To conclude, it is impossible to cash out deferred payment.
But nothing in life is completely impossible. There are some people who cash out in somewhat dark ways. Of course it’s illegal.
Did you know that many SNNs use postpaid payment services to earn cash?
While browsing social media, have you ever seen phrases like “Toss 200,000 won 80% off”?
This kind of phrase refers to using postpaid payment to fraudulently receive a discounted amount of cash. This is not a normal transaction, but rather a transaction between individuals, so a lot of fraud occurs.
There are many cash products and items that cannot be paid for with postpaid credit. Then, you pay with a fake voucher and then get paid in cash, which is completely illegal.
When cashing is detected
If you look at many communities now, you can see that they are in the process of cashing out deferred payments.
Toss deferred payment cashing is not yet within the scope of the law, so you will not be punished, but in the case of cash financing disguised as deferred payment at Toss, deferred payment service may be restricted and purchases of gift certificates, etc. may be restricted.
Please keep this in mind.
When postpaid payment cannot be canceled
Please note that postpaid payment cannot be canceled in the following cases:
①If you are in arrears
②If there is an amount to be refunded
③When other complaints, disputes, etc. need to be resolved
④If there is remaining amount to pay