Aishang installment overdue is not on the credit report, and the quick loan is overdue on the credit

The Regulations on the Administration of the Credit Reporting Industry have corresponding provisions on it:

If the platform is connected to the People's Bank of China's credit information, it will be on the credit investigation if it is overdue.

It is advisable to repay the arrears as soon as possible, resulting in severe overdue will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Third, facing a national crisis of confidence.

At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports.

Let the people of the whole country know that these "old fools" borrow money and do not pay it back! Of course, except for those who owe money in bad faith, the average borrower will not go this far.

Fourth, the People's Bank of China's credit report produces stains.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

It depends on how many days you are overdue. If a certain installment is repaid a few days late, although it will definitely leave a bad record in the bank's own system and incur a late fee, as long as the arrears are paid before the next credit card statement date, it will not be recorded in the personal credit information inquiry system of the People's Bank of China's national network.

The consequences of fast loan and non-repayment:

Pay late fee: If you apply for a quick loan and fail to complete the repayment before 24 o'clock on the repayment date, you need to pay a late fee and it is charged on a daily basis, which can be imagined to be a lot of money.

Difficulty in refinancing: Quick Loan has a record of overdue customers, and it is very likely that it will be difficult to refinance once it is overdue, and if the situation is serious, it is almost impossible to apply for a loan again.

Collection: It is not so much the consequence as the severe punishment, because according to user feedback, quick loan can be very extreme in terms of collection, such as malicious text messages, bombardment of address books, etc., the user's daily life will be seriously affected.

If a certain installment is repaid a few days late, although it will definitely leave a bad record in the bank's own system, which will affect the installment of China Merchants Bank and incur a late fee, as long as the arrears are repaid before the next credit card bill date, it will not be recorded in the personal credit information inquiry system of the People's Bank of China's national network.

The following is an example of a move:

Overdue interest on China Merchants Bank credit card.

The late fee for China Merchants Bank credit card will be charged 5% of the unpaid part of the minimum repayment, and the minimum fee will be RMB 10 or USD 1. Interest is that all purchases in the current period will be charged from the account date (usually the day after consumption) at the rate of 5/10,000 per day until you pay off in full.

In order to avoid affecting your personal credit, it is recommended that you repay the loan on time, and if it is not convenient to pay off the bill in full, please pay off at least the minimum payment on time.

Generally, small loans are not subject to credit reporting.

If you can't get a credit loan, you need to repay it.

There will be no consequences for the money borrowed:

1. If the lending institution or bank fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

2. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

3. If the lender has no property in his name that can be used for enforcement and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

4. In the case of refusal to enforce the judgment or ruling despite having the ability, it is suspected of the crime of refusing to enforce the judgment or ruling.

Banks, credit cooperatives, microfinance companies, auto finance companies, consumer finance companies, etc. will upload credit records on time, and you can check them through credit reports.

To installment, each of which is on the credit report, the lenders who come to installment are banks and formal credit companies.

100% I experienced it myself today.

If the company has access to the central bank's credit system, the borrower will definitely have a bad credit record if he does not repay the loan. On the other hand, if it is not connected to the credit information system, the overdue record will not be recorded in the credit report. However, now that there is big data in online lending, other loans will also be affected once they are overdue.

Up to now, Chinese people's personal credit can be queried through two channels:

1. Bring your ID card or the principal's ID card and power of attorney to the credit inquiry window of the People's Bank of China where you are located to provide your ID card and print your personal credit record;

2. Open the official website of the Chinese People's Credit Information Center, the mobile phone number cooperates with the ID card registration account, and submits the personal credit record inquiry application in the personal inquiry column, and the mobile phone will usually receive the inquiry code sent by the credit investigation center within 72 hours. Open the official website of the Chinese People's Credit Information Center again to log in to the registered account, enter the SMS inquiry code in the personal inquiry column to view the personal credit information, and at the bottom of the page you can generate a PDF document ** to save.

No, credit cards have a forbearance period of a few days, and credit cards generally have a forbearance period of 3 days, which exceeds the credit report.

No, credit cards have a forbearance period of a few days

No, but late fees will apply.

Please enter yours here.

Loan conditions: 25 years old or older;

Go to work, have social security or provident fund;

personal insurance; house, car (monthly payment is also acceptable);

Borrowing money with ants is reported on the credit report. At present, formal loan platforms will be connected to the credit information system in accordance with the relevant regulations of the People's Bank of China. When a consumer loan product is connected to personal credit information, it will truthfully feedback the borrower's historical usage records, which will help financial institutions evaluate the borrower's personal credit status.

Under normal circumstances, if the borrower repays the loan on time and maintains good usage habits, then the use of the loan will not have a negative impact on personal credit, but will help personal credit accumulation, which is conducive to future mortgage loans, car loans and other loan applications.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

Hello, if.

Your repayment is overdue and you need to pay it back in time.

If the overdue repayment will first affect your personal credit and affect your future life and work, and the longer the overdue time, the higher the overdue fee will be, and the greater the burden.

If the loan is overdue, the platform will have a special collector to contact you, and if you still don't repay the loan, it will affect your family and friends.

If the overdue is serious, you will be prosecuted, so you still have to pay the arrears in time.

Hope it helps.