How long will it take to be included in the list of dishonest people if it is overdue

If the online loan is overdue, if it is not maliciously overdue, and the overdue time is short, only a few days overdue, it will generally not be blacklisted. However, if you are overdue for a long time, and you do not repay it for more than one or two months or even longer, you are likely to be blacklisted by the online lending platform.

In addition, if the online lending platform is connected to the central bank's credit system, as long as it is overdue for one day, it may be reported to the central bank's credit information system, leaving a bad credit record on the personal credit report.

Nowadays, online loans basically have their own set of credit systems and reference to online loan big data, and all online loan platforms are networked, and they can generally record the relevant records of users through Xiaoqi Xincha big data. Therefore, once you are blacklisted by an online lending platform, it is likely to be affected when you apply for a loan from another online lending platform.

Therefore, everyone should develop a good habit of repaying on time when repaying the loan to avoid overdue and being blacklisted. Of course, if the interest rate of the online loan is too high to pay it back, you can also collect evidence to report it, after all, usury is not legal.

Only if the credit card is overdue for 3 months or more may it be included in the list of judgment defaulters. Because it is overdue for 3 months or more, the bank will sue the user in court. The court will order the user to enforce it, and if the user refuses, then the court will list the user as a dishonest person subject to execution.

If the user repays the loan after the court judgment, he will not become a judgment defaulter.

Therefore, there are many conditions that need to be met at the same time to become a judgment defaulter, and the credit card overdue for more than 3 months is only one of them.

If the deadline exceeds 90 days, it will be included in the list of dishonest persons, and it generally takes one to three years to remove the dishonest list. The loan is generally overdue for more than 90 days, and the lending institution can apply to the court for enforcement if it still refuses to perform after the court judgment. When the borrower has the ability to repay but refuses to perform the repayment obligation, this situation may be classified as a dishonest person by the court.

Therefore, if the arrears are not repaid for 90 days, they will become a dishonest person.

Several Provisions of the Supreme People's Court on the Publication of Information on the List of Judgment Defaulters

Article 1. In any of the following circumstances, the people's court shall enter them into the list of judgment defaulters and give them credit punishments in accordance with law:

1) Refusal to perform obligations set forth in effective legal documents despite having the ability to perform;

2) Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

3) Evading enforcement by means such as sham litigation or arbitration, or concealment or transfer of assets;

4) Violating the property reporting system;

5) Violating an order restricting spending;

6) Refusal to perform on the enforcement of a settlement agreement without a legitimate reason.

Whether or not the borrower will be included in the list of dishonest persons after the deadline depends on the actual situation, depending on whether the financial institution chooses to sue the borrower.

In addition to this, it is also necessary to see the nature of the prosecution.

1. Civil litigation.

If the financial institution does sue the borrower and a civil lawsuit is filed, then the borrower will first receive a court leaflet and other relevant information.

After that, the court will privately organize a private negotiation between the borrower and the financial institution, and if possible, the borrower can apply for a deferral of repayment, etc.

If the negotiation is successful, then the borrower's bill can be restarted to be calculated in installments, so that he will not be listed as a dishonest judgment debtor.

If the negotiation of repayment fails, then the borrower will be enforced by the court and will be listed as a dishonest person within 90 days.

2. Criminal proceedings.

If the amount owed by the borrower is relatively large, exceeding 50,000 yuan, and there is malicious overdue or malicious borrowing, the financial institution may initiate criminal prosecution.

If the criminal proceedings are established, after the court decides, the borrower will not be listed as a dishonest person subject to execution, but will be imprisoned.

The specific time to serve the sentence needs to be judged according to the time of arrears and the severity of the case, generally three to seven years.

If the borrower is not willing to go to jail, he or she will be fined a larger amount.

If the borrower is unable to repay the loan, then the penalty should not be able to bear it.

Frequent loan applications or operations can increase personal credit risk, making applications more likely to be rejected. You can learn about the personal credit risk index in "Changbai Data", and the higher the risk score, the easier it is to reject the application.

Extended Information: What are the consequences of being included in the list of dishonest persons?

Inclusion in the list of dishonest persons has the following consequences.

1. The property subject to enforcement.

The borrower's property will be enforced, and the deposits, income, **, vehicles, land, real estate, pensions, etc., as long as they belong to the borrower's name, will be forcibly frozen.

Those with auction value will be treated as auction items, and all funds from the auction will be used to repay the arrears.

2. Restricted consumption and travel.

Borrowers will be restricted from traveling and spending, and they will not be allowed to enter or leave any high-spending places, and the same is true for shopping and the like.

They will also be restricted from entering and exiting the country, and will also need to double the interest on the debt during the period of delay and pay the delay in performance.

3. Imbue family members.

According to the regulations, if the parents are listed as the executors, all the property in the name of the minor children will also be auctioned, and they will not be able to attend high-cost private schools.

If the wife has property in her name, it will also be auctioned, and half of the proceeds from the auction will be used to pay off the arrears.

The dishonest executor will not be entered after the deadline. Unless the other party sues you, and then after the court makes a judgment, you will become a dishonest executor, and normally no matter how long you are overdue, as long as the other party does not sue, you will never become a dishonest executor. A dishonest executor is a person who is unable to repay or deliberately fails to repay after the court has made a judgment will be listed as a person subject to enforcement.

Questions. My bank loan has been overdue for 4 years, and now the principal has not been repaid 3,000, and the interest and principal are more than 4,000 in total.

In this case, you should first check the credit report to see what status the credit report is in now.

Questions. There is no possibility of prosecution.

Unlikely.

The amount is small and the time is long.

Questions. Sent a message and called ** saying that it was prosecuted.

I guess you've been collected.

Questions. Now it's a thousand a month.

Just negotiate it.

Don't go for private accounts.

Questions. Isn't it possible to prosecute? Right. Questions.

Is there any way to fix it.

Negotiate repayment and issue a settlement certificate.

Hello dear<>

If it is overdue for 3 months, it will be included in the list of dishonest persons. Only credit card online loans that are overdue for 3 months or more may be included in the list of judgment defaulters. Because it is overdue for 3 months or more, the bank will sue the user in court.

The court will sentence the user to enforce it, and if the user refuses, then the court will list the user as a dishonest person subject to execution. If the user repays the loan after the court judgment, he will not become a dishonest judgment debtor.

Summary. Hello, dear, after 90 days overdue, you will be included in the list of dishonest people, because the loan is generally overdue for more than 90 days, it will be sued by the lending institution, and after the lawsuit, if the court still refuses to perform, the lending institution will apply to the court for enforcement. <>

Hello, dear, after 90 days overdue, you will be included in the list of dishonest people, because the overdue loan of Luzao Pai is generally more than 90 days will be sued by the lending institution, and after the lawsuit, if the court still refuses to perform, the lending institution will apply to the court for enforcement. <>

Dear, you need to note that the list of names of dishonest persons is issued by the court or other administrative organs, and it is mainly aimed at people who have violated laws and regulations, and have not repaid the arrears, rather than ordinary consumers who have missed repayment on time. <>

Hello, dear, under normal circumstances, only in the case of a long overdue time, a large amount of arrears, and multiple overdue times, will be included in the list of dishonest persons. Therefore, when you use credit cards, borrow money and other services, you should pay attention to maintaining your credit history, repay and start the payment in time, and avoid being included in the list of dishonest people. <>