What about overdue credit? What are the reasons for overdue credit investigation?

The consequences of overdue credit cards are very serious, so don't overstay them easily.

In the event of overdue repayment, the borrower will not only have to pay high penalty interest and liquidated damages, but also pay the high costs of the loan such as liquidated damages and other expenses if the loan company or bank initiates a lawsuit, as well as the litigation fees and other expenses of both parties.

In the face of borrowers who maliciously default on loans with a large amount of arrears, the lending company or bank will generally use the method of SMS to collect, and if the collection fails, they will contact the borrower's address book family and friends, or directly collect at home.

If the credit card is overdue, it must be on the credit report, and you can get an online loan credit big data report from the quick card test, a public platform. If the online loan or credit card on the credit investigation is not repaid, it will lead to high overdue fees and the collection of the platform**, and a third party is reserved**, which will also be dialed when collecting.

However, the imprisonment for credit card arrears is not caused by the overdue itself, but because of the crime of refusing to carry out the court judgment. In other words, if the online loan or credit card platform sues after the deadline is overdue, and the court rules that the borrower will repay the loan, if the borrower refuses to repay the loan if he has the ability, the circumstances are serious, which constitutes the crime of refusing to execute the judgment and ruling, and is subject to criminal responsibility. Therefore, if the loan is overdue to the point where the court judgment takes effect, it still cannot be delayed and not repaid, and those who have the ability to repay it must still be repaid on time.

Don't think about it, as long as your credit card bills are all paid off and not overdue, you can use it normally. And be sure to use it, never write it off, if you do, your record may always be kept. I can't update it anymore, so it's okay to consume normally.

If the card is not restricted by the bank, it can be kept after the arrears are paid off, and the loan can be repaid on time when appropriate. If the use has been restricted, the card will be cancelled. Credit records are kept for five years after you pay off what you owe.

If you continue to use all previous credit cards for more than two years, cancel them. In this way, the credit can be refreshed.

It's useless, as long as it's overdue, his record is in the system.

1. Water, electricity and gas bills are not paid on time.

2. Credit card repayment has been overdue for three consecutive times and six times in total.

3. The monthly payment of the car loan is overdue or non-repayment for 2 to 3 months.

4. The loan interest rate is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months.

6. Cashing out of personal credit cards.

7. Student loans are not repaid in arrears.

8. If the "sleep credit card" is not activated, it will still incur an annual fee, and if it is not paid, it will have a negative credit history.

9. Credit card overdraft consumption and mortgage loans are not repaid on time.

10. When providing security to a third party, the third party did not repay the loan on time.

11. Credit card arrears records are generated by fraudulent use of ID cards or copies of ID cards by others.

12. The mobile phone deduction is linked to the bank card deduction, and if the relevant procedures are not handled after the mobile phone is deactivated, it will also cause a bad record if it is overdue due to the arrears of monthly fees.

Extended information: 1. To make a credit report, you need to go to the local People's Bank of China institutional credit office.

The original and photocopy of the ID card are required; If the person entrusts another person to inquire about the personal credit report at the inquiry point, the person shall provide the original valid identity documents of the principal and the person and the notarization certificate of authorization for inspection, and at the same time fill in the "Application Form for Personal Credit Report Inquiry by Myself", and keep a copy of the valid identity documents of the principal and the **person, and the original certificate of authorization notarization for future reference.

2. According to the "Regulations on the Administration of the Credit Reporting Industry":

Article 16: The period for credit reporting establishments to store negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information, and the credit reporting establishments shall record it.

Article 17: Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.

Article 18: Where inquiries are made to credit reporting establishments about personal information, the written consent of the information subject shall be obtained and the use agreed upon. However, there is an exception where the law provides that an inquiry may be made without consent. Credit reporting establishments must not provide personal information in violation of the provisions of the preceding paragraph.

The personal sign is said to be an economic ID card, if your credit is tainted and you can't handle a lot of business, so you need to maintain your personal credit. Now there are many situations that will lead to poor credit reporting, most people are not clear, today we will find out together.

1. The number of overdues.

Multiple overdue times will lead to poor credit, because the reason why overdue affects credit is that in the case of overdue repayment in banks or online loan platforms and credit card overdue repayment, some online loan platforms will now be on credit reporting, and overdue will also be displayed in the credit report, and the cumulative number of overdue times has reached 6 times, it will be regarded as a serious overdue user, so it will become a credit black account. Therefore, after using a credit card or loan, it is important to repay the loan on time.

2. Overdue time.

Too long overdue. After using a credit card or loan, you must repay in accordance with the bank's regulations, if there is a problem with repayment, you must contact the platform customer service in time to repay as soon as possible, and the overdue time should not exceed three months, otherwise it is a serious overdue user.

3. Keep in touch.

After the loan is overdue, it will be collected by the platform**, at this time, it is necessary to maintain good negotiation, if the debtor still refuses to repay after many collections, it will become a credit black account.

The credit report objectively records your credit history, including information about your on-time repayment and overdue information, not a "blacklist"! After the credit information center matches and integrates the data submitted by commercial banks, it is updated to the personal credit report, and it is not considered "bad" within 3 days after the deadline without making any evaluation?

1. Generate penalty interest and pull into the blacklist.

2. Children are unable to attend key schools.

3. Bad records will affect the future card application.

4. You cannot enjoy the loan discount and cannot apply for the loan.

5. I can't book a high-speed rail plane train ticket.

6. Affect personal career.

Don't worry too much about this.

Nest can modify a credit report without a trace.

Sure.

After the credit loan is overdue, it will cause penalty interest, affect credit investigation, be collected and other consequences, and the specific analysis is as follows:

1. Overdue will encounter high penalty interest, and some financial institutions usually require the lender to pay liquidated damages according to the overdue date on the basis of penalty interest.

2. If you have a bad record of your personal credit, it will be very difficult to take out a loan later, and if you are overdue, it will cause unnecessary trouble in your life.

3. Both banks and small loan companies have their own collection systems, and if the collection is fruitless, the arrears are not repaid and the amount is relatively large, they will be sued.

Consequences of late mortgage payments:

1. Personal credit reporting is damaged, affecting the handling of various loans in the future.

Once the loan is overdue, the lender will see the overdue payment history. If it is a stricter bank, even if it is only one day overdue, the bank will also enter the overdue situation into the central bank's credit system, once the overdue record enters the credit system, it will have a serious impact on the future user to apply for a credit card or loan, even if you can get a loan, the loan amount will be reduced a lot.

2. Corresponding penalty interest and late fees will be incurred.

Whatever the reason, as long as the mortgage is overdue, then the bank will call to collect **, remind the borrower to repay, and as long as the repayment is overdue, there will be penalty interest. The penalty interest rate varies from bank to bank, and basically 30%-50% is added to the original loan interest rate.

3. Being sued by the bank.

The bank will set a default clause in the mortgage contract, requiring the borrower to repay all the loan principal and interest in a lump sum for 3 consecutive or 6 consecutive overdue repayments.

If the user fails to repay the mortgage for more than 3 months, the bank will file a lawsuit with the court in accordance with the loan contract and the guarantee contract. The court will take measures such as property preservation, freeze the deposits in all bank accounts of the lender and the guarantor, and seize the property that has been pledged.

1. Penalty interest: When signing a loan contract, some provisions will generally be made on the overdue loan, and penalty interest will generally be generated when overdue.

2. Credit stains: Don't underestimate this. Once the loan is overdue, the bank will report your overdue record to the central bank's credit system, and once the record is generated, it will leave a stain on your personal credit report.

This small stain will form a lot of resistance to your future loans and credit card applications, and borrowers must not lose a lot because of small things.

3. Unable to enjoy preferential interest rates on loans: We all know that when applying for a loan at a bank, the loan interest rate fluctuates to varying degrees, and high-quality customers can usually get the lowest loan interest rate, while users who have a loan overdue record, even if they win the loan application, want to enjoy the interest rate discount, it is basically a pipe dream.

Fourth, if it is overdue, it will have an impact on your credit according to the length of time, and the credit is seriously overdue (more than 90 days) credit is a black account, and it is impossible to apply for any loan business before the overdue repayment, and there will be liquidated damages, overdue interest and other additional costs, and the long-term overdue interest is greater than the principal is not a new thing, please be cautious.

1.Penalty interest is usually incurred, when the lender signs a loan contract with the lending institution, there are relevant provisions in the contract for overdue loans. If there is an overdue, the lending institution will first collect the loan and remind the borrower to repay, and the interest rate will rise as a daily penalty interest.

The penalty rate varies from lender to lender. Loans will have interest and fees associated with them, and overdue loans will also lead to additional costs, which is very uneconomical. 2.

Loan incentives are not eligible3Pulled into the blacklist, children can not go to key schools 4Affect an individual's career 5

If the loan is overdue, the overdue record of the loan will be uploaded to the personal credit reporting system of the central bank, which will cause the borrower to have a bad record in the credit reporting system and leave a credit stain. The degree of credit is related to all aspects of our lives, and if there is a credit stain, it will hinder the borrower from applying for loans and credit cards in the future. If the overdue situation is serious, the housing loan and car loan will be affected in the future.

Penalty interest is only a monetary loss, while a bad credit history is a loss of intangible assets, and the impact is irreparable by money. 6.The bank sent a lawyer's letter to the court to sue if you have not paid the payment for more than 3 months, it is very serious!

The lending bank will collect the loan in accordance with the law, and in accordance with the provisions of the loan contract and the guarantee contract (mortgage or pledge contract), it will file a lawsuit with the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor, and seizing the property that has been pledged.7After the judgment is handed down, it will be enforced8If the circumstances are serious, they will be punished by law, and if they are able to do so, they will be punished by law if they refuse to implement the legal instruments in force.

If the guarantor is unable to repay, the guarantor shall bear the responsibility of repayment. All in all; Late payments on a line of credit can have serious consequences, so don't be tempted to overdue.