Almost all online loans are on credit, because illegal online loans have been banned, and now the loans on the market are formal loan products.

When online lending was mentioned before, many people would associate it with online lending. There is nothing wrong with this idea, because the interest rate of online loans is very high, which has seriously exceeded the annualized comprehensive interest rate of credit cards. In most cases, users are not recommended to apply for online loans.

At present, there are two mainstream loan products in the market, 1 is a loan company mainly engaged in loan business, and the second is the loan service of Internet companies. But no matter what kind of loan products, these loan products are characterized by high interest rates and convenient application. For many users who don't have the concept of loan, the easiest thing to expose them to leverage is online loan.

The credit information mentioned here is the credit information of the central bank, which can be understood as the most important part of the current credit life system, because when we are engaged in social life, banks will comprehensively evaluate the bank's credit information to make the approval and selection of the quota. For those users with poor personal credit information, banks generally will not approve the relevant loan amount, while online loans and credit cards will affect personal credit information records.

Some people may think that the online loan they applied for will not be reflected in the credit information as long as it is not passed. This idea is naive, because when a person applies for a credit loan product, this person will authorize the relevant companies to inquire about their credit records, which is an inquiry behavior.

For banks, banks don't care whether a user has a substantial overdue record. As long as the bank finds that the frequency of this user's short-term application for credit cards or loans is too high, it will assume that the user's repayment ability is insufficient, which is why we often say not to apply for loans and credit cards frequently.

Is there a credit record at the online loan meeting?

Some loan information in online loans may indeed appear in the personal credit report of the central bank. If a general lending institution makes a credit inquiry at the meeting, there will also be relevant reminders: if the loan is seriously overdue and has not been returned many times, it will be reported to the central bank and recorded in your credit report. So don't take any chances, overdue repayment will be very serious. When choosing online loans, you should also consider your repayment ability as much as possible and control it within your repayment range.

How long will the online loan be overdue? We should comprehensively look at the following aspects:

1. Loan platform, some online loans will be reported once they are overdue, and some online loans will have a grace period, and they will be reported after the grace period.

2. Overdue amount. If the overdue loan amount is relatively small, some platforms will not upload overdue records, but if the overdue amount is relatively large, the speed of credit collection will be faster.

3. The length of overdue. The longer the overdue time, the higher the probability of credit investigation.

What will happen if the online loan is overdue? There are usually the following consequences:

1. blacklist

One of the serious consequences of overdue repayment of online loans is being blacklisted. The overdue record of personal credit information system does have an impact on personal credit, but it will not add users to the loan blacklist. The blacklist here means that those who are accused of litigation, long-term non-repayment and resistance to execution will be blacklisted, so once blacklisted, they will not even be able to apply for loans or credit cards in the future.

2. Personal credit is bad

If the online loan is overdue, report the overdue record to the People's Bank of China and record it in the personal credit report. Once the personal credit report is stained, it will have a certain impact on future banking-related businesses, such as credit card applications and bank loans.

3. Have a strong interest

As we all know, overdue will generate certain interest and overdue fees. If it is overdue for a long time, the interest and expenses will increase and roll up.

Will credit be collected at the online loan repayment meeting?

After the online loan is repaid, the repayment record will be uploaded to the credit information. Even if the loan is settled, the loan record will remain permanently in the credit information and become a part of personal credit information. However, online loans cannot record credit information, and the internal system of the loan company will also record the user's loan information, which can be used to judge the user's comprehensive credit situation.

Therefore, both on-time repayment and overdue repayment of online loans will leave a record, but the record of on-time repayment is a normal record, and the normal loan record will not affect personal credit information.

If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: kingfisher data, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.

Extended data:

Will online loans be repaid on time?

Online loans are repaid on time. Even if the loan is connected with the credit report, only the information of timely repayment will be recorded in the credit report, which has no influence. Due to the popularity of online lending, banks have a high tolerance for online lending records. As long as it is not overdue, the record of timely repayment will not affect the user's application for bank loans.

In addition, users can successfully apply for online loans, which also means that users have good credit qualifications, which is also helpful for passing other loan audits.

Do you collect credit at the online loan filing meeting?

Online lending will affect personal credit information. Whether it is a good influence or a bad influence depends on the borrower's borrowing behavior.

There are two kinds of online loans: credit investigation and credit failure.

Among them, the loan platform for credit information has an impact on credit information, and such platforms will leave records on credit information from the submission of applications to the settlement of loans.

If the loan behavior is good, it will help to collect credit. For example, paying off the loan on time and properly controlling the debt ratio can develop a good credit record. And if there are some bad loan habits, we have to pay attention to them. Everyone's personal credit may deteriorate, such as the following situations:

1. If the online loan is not repaid on time, the overdue record will be submitted to the credit information system to leave a bad record. The more serious the overdue situation, the greater the impact on credit reporting. In particular, it has been overdue for three consecutive years in two years and belongs to a proper black household. Even if the arrears are paid off later, it will take five years to recover. If you apply for credit business again during this period, whether it is a credit card or a loan, you will be directly rejected.

2. Online lending has no self-control. When people saw what they were applying for, they applied for more than a dozen loans in just a few months. Even if any one of them succeeds, there are too many loan approval records on the credit investigation, which will have a bad influence on the credit investigation. Such people will be rejected if they apply for loans or credit cards again. It is best to spend 3-6 months to improve the credit information.