How long does it take for an online loan to explode the address book, and does the online loan overd

Generally, it ranges from one or two days to half a year, depending on the specific situation.

After the deadline, the collection will generally not directly call the address book details one by one. Banks and formal lending institutions and platforms usually send text messages or call ** to the customer himself to collect when they encounter a customer's overdue, reminding the customer to repay, and generally do not contact the person in the customer's address book.

However, in some unknown microfinance companies, if the customer is overdue, they may contact the person in the customer's address book. In addition, if the customer is overdue for too long, the bank and those formal lending institutions and platforms may outsource to a third-party collection company to collect, and some third-party collection companies may also contact the person in the customer's address book when collecting.

Overdue online loans will also affect the user's online black index score, if the online black index score is too low. A low score on the Internet black index will not only affect the success rate of the mortgage, but also affect the user's Huabei and borrowing amounts, and even cause Huabei and borrowing to be closed.

The impact of the online loan blacklist on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Just search: Sky Data. Users can query their own big data and credit status, obtain various index data, and query their personal credit status, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

If the borrower fails to repay the loan for a long time, the loan platform can apply to the court for litigation or arbitration, and apply to the court for enforcement according to the result of the judgment or arbitration award, at which time the borrower will bear the corresponding legal consequences, and it is recommended that you repay the loan in time.

2. If there is a need for funds, Ping An Bank has launched unsecured and unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars, different loan application conditions and requirements are different, whether the approval is successful is assessed according to your comprehensive qualifications, you can log in to Ping An Pocket Bank APP-Finance-Loans, learn more and try to apply.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

2.Data security measures: Lending platforms are responsible for taking appropriate technical and management measures to protect the security of users' personal data, including address book information.

These platforms often use protections such as encryption technology, data backups, and firewalls to prevent unauthorized access and leakage.

3.Contractual restrictions: In online loan contracts, there is generally no explicit clause between the borrower and the lending platform authorizing the platform to access or share address book information. Therefore, the platform does not have the right to use the borrower's address book directly.

Summary: Overdue online loans will not lead to the disclosure or disclosure of personal address books. Chinese law protects personal privacy, and lending platforms have the responsibility to take measures to protect the security of users' personal data, and there is no lawful basis to obtain or disclose the borrower's address book information.

Normally, the online loan address book is to beat the people in the borrower's address book one by one**. Generally, at the beginning, they will call the emergency contact, and secondly, if they are in close contact with you, they will also give priority to contact. Then the longer call duration will be the second priority.

Finally, according to the relationship between relatives and relatives, they are sorted in order.

Extended information: 1. Online lending, the foreign name is Internet lending, and P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending.

It refers to the direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. Online lending platform.

In 2012, the number of companies in China grew rapidly, with 350 companies active so far, and 3,054 companies as of the end of April 2015.

2. Introduction. 1. The essence of Internet finance is still finance, and it has not changed the characteristics of concealment, contagion, extensiveness and suddenness of high financial risks. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging business format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

2. Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms is a private lending.

The scope is subject to the general principles of contract law and civil law.

and other laws and regulations, as well as the relevant judicial interpretations and norms of the Supreme People's Court. Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs.

The online lending business is supervised by the China Banking Regulatory Commission.

3. The supervision of online lending platforms, from the maximum of five or six thousand to the end of June, only 29 are in operation, and the special rectification work may be basically completed by the end of the year and transferred to regular supervision.