Is Xiaoying Card Loan on the credit investigation, and does Xiaoying Card Loan apply for credit inve

No. The borrower shall strictly fulfill the repayment obligation, and if the borrower fails to repay the loan in full on the repayment date specified in the loan agreement, the borrower shall pay additional penalty interest for overdue. Once it is overdue, make sure that the repayment account funds are sufficient to repay the principal and interest due in the current period, please log in to the Xiaoying Card Loan app to make manual repayment.

The formula for calculating overdue penalty interest is as follows: total penalty interest = overdue remaining principal corresponding penalty interest rate number of overdue days; Overdue days: Counted as a calendar day from the day after the repayment date; Penalty interest rate: 3/10,000 days of credit card repayment; Small Win Easy Loan Zero Day.

In addition to the penalty interest, Xiaoying card loan has cooperation with a third-party institution, and the credit report will show the substitution if it is overdue. Credit reports show that compensation is more serious than showing that the consequences of overdue are more serious, which creates a stain on personal credit. Please do not have a fluke mentality for users who borrow money on Xiaoying Card Loan, and repay each arrears on time.

Small loans** are the most reliable and direct to the account, and compared with other loan methods, the loan application of the online loan platform is convenient and the loan is fast, but the application for online loan should pay attention to the formal large platform, which can better protect personal interests and information security. At the same time, be careful not to pay pre-loan fees to avoid being scammed.

It is recommended that you use Youqian Hua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqian Hua, renamed as "Youqian Hua" in June 2018), a big brand with reliable and low interest rates. If you have money to spend - full easy loan, the maximum amount of borrowing is 200,000 (Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

When taking out a loan, users need to check the credit information. Therefore, if the user has bad credit, it is difficult to succeed in the loan in Xiaoying Card Loan. Therefore, in daily life, everyone must maintain their personal credit information.

Xiaoying Card Loan mainly provides users with three services, namely credit card repayment, credit card borrowing, and elite borrowing. Among them, credit card repayment, users can use this service to repay the outstanding amount in their credit card and help restore the credit card limit. Credit card borrowing, users with a credit card can borrow from it, and the amount can quickly reach our debit card.

Elite borrowing, authorized e-commerce information, the amount is as high as 150,000, it can be approved on the same day, and the loan time is also longer, which can meet the needs of most users.

With the development of Internet finance, Shenzhen Yingzhongtong Financial Information Service Co., Ltd. has launched a credit card balance compensation product for users - Xiaoying Card Loan, which mainly provides credit card balance compensation financial services for young people under the age of 30, and has a variety of installment repayment methods and low interest rates, which can effectively balance the pressure of repayment.

Xiaoying card loan is on the credit report, and not only the overdue record is on the credit report, but the normal loan record will also be on the credit report. The normal loan record includes the amount borrowed and the normal repayment situation, and the overdue loan record will upload the details of the overdue. The former is conducive to maintaining personal credit, while the latter can cause credit stains.

Consequences of overdue] 1. First of all, the loan will not produce a bad credit record, which will affect other credit business in the future. A bad credit history is considered a loss of intangible assets.

2. The lending institution will charge penalty interest and liquidated damages for overdue, and the longer the overdue time, the more amount to be paid. Generally, the liquidated damages are between 1% and 3%, and the penalty interest will be added to the loan interest rate by 30% to 50% in accordance with the relevant regulations.

3. If the overdue time is long and the amount is large, you may also be sued by the lending institution. If the court still does not repay after the judgment, it will be included in the "list of judgment defaulters" and will not be allowed to take high-speed trains or planes.

If the loan applied for on the loan company is overdue, but there is no money to repay, resulting in the arrears cannot be repaid for a while, it is recommended that the customer contact the staff of the loan company to negotiate to see if you can reduce some interest or repay the principal first, and apply for an extension of the repayment period and repay it in installments.

If the loan company allows it, the customer's repayment pressure can be relieved in a short period of time. After that, you can negotiate a new repayment plan with the loan company, and then repay the new repayment plan on time.

Of course, the loan company will not easily agree, so the customer must provide strong evidence when negotiating, indicating that the overdue is not intentional, and it is indeed that he has no ability to repay in the near future. For example, if you are unemployed at home, you can provide an unemployment certificate; If you are hospitalized due to illness or accident, you can provide hospitalization bills, relevant medical bills, etc. When negotiating, you should also pay attention to expressing your willingness to actively repay the loan.

If the lender still does not agree to the deferment of repayment, the customer can try to borrow money from friends and family, pay off the loan first, and then return the money to friends and relatives when the funds are sufficient. Here, remember not to take out loans to support loans, to make a reasonable repayment plan, and never to avoid debts or other illegal and criminal things.