21 is the area code of Shanghai, which means that this call is from Shanghai.
If you owe loans overdue and don't pay it back for a long time, I will call you and you won't repay the loan.
Then the loan platform may call your parents to collect it from you.
loans overdue.
in loans overdue, there are short-term and long-term, and the consequences are different due to different overdue periods. But most people have many misunderstandings about loans overdue, and it is too late to regret it until it has serious consequences!
Short-term overdue loans and their consequences
Different financial institutions have different definitions of short-term overdue time. In view of short-term overdue, institutions generally don't take compulsory measures, but will remind and collect the repayment. The consequences are as follows:
1. High fines and liquidated damages
After loans overdue, in addition to repaying the interest and principal, they also need to pay high penalty interest and liquidated damages.
2. Leave a personal credit stain
There will be overdue records on the credit report, and even after repayment, the overdue records will be kept for 5 years. Overdue records will affect almost all subsequent financial activities of the overdue person.
3. Receiving SMS and phone call for collection
The lender will continuously send SMS and phone call to collect overdue funds, inform the borrower of the serious consequences of overdue, and order the borrower to return overdue principal and interest within a time limit.
Long-term overdue of loans and consequences
Generally speaking, overdue for more than 9 days will be regarded as malicious overdue by lending institutions. Banks can sue for recovery for malicious overdue for more than 9 days, regardless of the amount. After the court's decision, the information of the untrustworthy executor (Lao Lai) will be announced to the public, limiting his high consumption and flying high-speed rail.
As the supervision bureau is becoming more and more strict, and the online loan platform is becoming more and more standardized and strict, many online loans are now on credit reporting, so the credit reporting record is a matter of great concern to all borrowers. Today, I will give you some knowledge about online loan credit reporting, hoping to help you.
1. The handling of online loan credit records is very "humanized";
compared with traditional banks, online loan credit reporting is much more humane, that is, it will give a certain grace period for unintentional overdue due to temporary negligence. However, if you are in arrears for a long time, it is easy to have a tainted record of the borrower, which is also a key reminder in the credit reporting system, which is very serious to personal influence!
ii. the retention period of bad credit records of bank loan default is 5 years
according to the regulations on the administration of credit reporting industry, the retention period of bad personal information by credit reporting institutions is 5 years from the date of termination of bad behavior or events. Bad records will not be found by other banks after paying off the principal and interest and liquidated damages for more than 5 years. It is worth noting that the credit stain will still be preserved until the loan is settled. So everyone must cherish their credit records.
3. The retention period of overdue bad credit records of credit cards is 2 years
Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If the card is cancelled, the record will be kept for a long time. Therefore, it is suggested that credit card users continue to use their cards for two years after paying off their debts. During this period, they can keep good credit and remove bad records from the credit information system by rolling records.
The above three are based on short-term default. If the overdue information has been uploaded to the PBOC for too long, then pay off the debt and wait for the system to automatically eliminate it after 5 years.