Is it necessary to go to the central bank for credit investigation if the micro loan is overdue?

The central bank's credit is updated once a month, and yours may not have been uploaded yet.

If you want to check your personal credit, you only need to check it in two steps.

1. Open the browser, search for the People's Bank of China Credit Information Center, verify the problem after registering and logging in, wait patiently for the 24-hour verification code to be issued, enter the verification code to query your own simplified version of the credit, only the simplified version can be queried.

2. If you find the first way troublesome, then the second way is simpler and more convenient. Users can query their own big data and credit situation, and can obtain various index data, inquire about their personal credit situation, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, dishonest person information and other important data information.

"WeLoan" is a pure online microcredit revolving consumer loan product launched by WeBank, the first Internet bank in China, for WeChat users and mobile QQ users. If you need to consult about the overdue credit of WeLoan, it is recommended to contact WeLoan's customer service for detailed consultation.

The micro loan was overdue for 6 days, and the credit report of the central bank was not recorded.

Hello, under normal circumstances, micro loans overdue for 3 months will be on the credit report. Try not to overdue, if you do, you will incur penalty interest. From the date of overdue, a penalty interest of 50% of the agreed interest rate will be charged on the basis of the overdue principal amount every day until the overdue amount is repaid.

What is Micro Loan?

"WeLoan" is a pure online micro-credit revolving consumer loan product launched by WeBank, the first Internet bank in China, for WeChat users and mobile QQ users, which was launched on mobile QQ in May 2015 and WeChat in September 2015.

Among the reliable big brands on the market, in addition to micro loans, Du Xiaoman Finance's money is also a good choice. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

How serious are the consequences of non-repayment of micro loans?

1. High penalty interest.

After the micro loan is overdue, in addition to the normal interest, it is necessary to pay a high amount of overdue interest, and a penalty interest of 50% of the agreed interest rate will be charged on the overdue principal amount every day until it is overdue.

Overdue penalty interest = overdue principal x daily interest rate x 50% x number of overdue days.

2. Recorded in the credit report.

The amount of micro loan will be recorded in the credit report, not to mention if it is overdue, and it is not negotiable to go directly to the credit report. A credit stain has been formed, and it will be troublesome to get a loan or a credit card in the future.

3. Encounter various collections.

Although micro loans will not be as violent as loan sharks, people also have their own set of collection methods, and it is inevitable to fight ** or something.

4. The court in which the lawsuit is filed.

If you just don't repay the amount, the amount reached and the overdue time is relatively long, WeLoan will sue you in court, and then you will be executed to repay the loan, not to mention the amount of money to be repaid, and leave the case back.

If it is detected in time, it will be overdue. Just repay the loan as soon as possible, repayment is necessary, and as long as it is paid off, there are no serious consequences.