Is the credit wallet overdue on the credit report, is the credit on the credit wallet

The credit wallet can only be on the credit report if the money is not repaid within the time limit. That is, if the credit wallet is on the platform for payment, then the credit wallet will be on the credit if it is overdue and does not repay the money, and if the platform for the credit wallet is not on the credit report, then the credit wallet will not be on the credit if it is overdue and does not repay the money.

At present, Credit Wallet cooperates with many financial companies such as Huarong Consumption, Jinshang Consumption, and Immediate Consumption to lend money. Huarong consumption and immediate consumption will be on the credit report if they are overdue.

The consequences of overdue credit wallets

1. Pay a fine. Although the credit wallet is overdue for 1 day, it is still necessary to pay a fine. Although there is no official explanation of the fines, you can think that these fines must be a lot of money.

2. Collected. According to customer service, the credit wallet will start to collect after 15 days of overdue, and it is not surprising that these credit wallets are overdue for 1 day, as long as the arrears are paid off within 15 days, they will not be collected. However, according to user feedback, credit wallet collection is still a bit powerful, so try not to overdue.

3. Second rejection. If there is an overdue, it will affect the next loan, some will reduce the amount, and some simply refuse in seconds. Unfortunately, credit wallets are the kind of ones that will be rejected in seconds, so there is no next time when the credit loan is overdue for 1 day.

If it does not affect the credit investigation for a long time and does not pay it back for a long time, they will make all kinds of collection manuals, so that you will live a restless life, and you will also collect penalty interest, so pay it back as soon as possible If it is overdue for more than one year, it is estimated that you will have to sue the court, and if you still do not pay it back after the court judgment, you will be included in the list of dishonest judgment defaulters, that is, the list of dishonest judgment defaulters.

It's not all a lie, but in the credit report is not to show the credit wallet, but to show the name of the financial company! How much is the loan? You can check when it expires! Hope it helps.

Jiufu and Moonlight Treasure Box financial management platform are both P2P platforms, for now, the credit system of the P2P platform and the bank are not connected, so it will not be on the bank's credit.

There are two reasons for this:

1. The user is the contact person of the borrower. If you have your relatives, friends or colleagues who are overdue, then the platform is likely to carry out ** when collecting and sending text messages. In other words, the user did not receive the text message because of his own reasons, but because of the influence of others.

2. It is possible that the skin is fishing. Because some unscrupulous elements will send similar text messages, so that users or relatives mistakenly think that there is a situation where they have been collected overdue, and then transfer the amount of money according to the other party's requirements, which is easy to cause financial losses, so users need to verify it first.

Credit Wallet is an online consumer financial service platform based on the mobile Internet, which automatically matches you with the right loan company according to your specific situation, and the procedures are simple and the payment is fast. However, some netizens raised the question of whether the credit wallet is overdue on the credit report, and everyone is not consistent on this issue, and some say that some say. So what is the truth?

The credit wallet is overdue.

on the credit report. Credit Wallet is a product of Quant Pai, which itself is a data-driven technology company that cooperates with many financial companies such as Huarong Consumption, Jinshang Consumption, and Immediate Consumption to lend money. According to many netizens, Huarong consumption and immediate consumption will be credited at the overdue meeting, and the others are not understood, so you can consult customer service before taking out a loan.

1. Penalty interest will be charged

A high penalty interest will be charged for overdue credit wallets, and the specific stipulation is that penalty interest will be charged for more than one day from the date of overdue until the loan is paid off. The formula for calculating the penalty interest of the credit wallet is:

Overdue service fee = min (loan amount * remaining outstanding principal * overdue days, current repayment principal * if borrowing 1,000 yuan, then:

Loan amount * remaining outstanding principal * overdue days = 1000 * current principal repayable * daily penalty interest whichever is smaller, that is, 15 yuan.

2. Collection

If the overdue period exceeds a certain amount, the lender will take steps to collect the borrower's payment. The borrower will be called ** on the second day after the loan is overdue in the credit wallet, and if the borrower cannot be contacted, it may also be possible to call the emergency contact**.

3. Being sued

Being sued by the credit wallet should be the most serious consequence, if it is malicious defaulting on the loan, you may be sued by the credit wallet in court and sentenced to punishment.

1. The credit wallet is overdue for one month, then you will definitely be on the credit information, although the platform has not yet been connected to the central bank credit system, but access to the credit 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.

2. The consequences of serious blocking of Min are also the defendant who goes to court, overdue for a long time after the loan or deliberately fails to repay, and after the amount of Jian Shizhi exceeds 2000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. If you lose the case, you will also have to bear the litigation costs and huge fines of both parties.

1. The credit wallet is overdue for a month, and you will definitely be on the credit report, although the platform has not yet been connected to the central bank credit system, but access to the credit 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, and Tonglima will produce credit stains.

2. The serious consequences are that the defendant goes to court, and after the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2000, it can already constitute a crime of fraud, and there is a danger of being sued by the online loan platform in court. If you lose the case, you will also have to bear the litigation costs and huge fines of both parties.