1. Overdue records have been deleted after overdue.
After Gitzo is overdue, the user pays off the overdue debts, so the overdue records are only kept in personal credit information for 5 years from the date of repayment, and are automatically deleted after 5 years.
After the overdue records are automatically deleted, the user's personal credit information will return to normal.
After the credit information returns to normal, users can borrow money to buy a car.
Gitzo is a licensed consumer finance, so all its loans are connected to the People's Bank of China for credit investigation. Once Gitzo's loans overdue and loans overdue records are uploaded to the personal credit report as required.
2. The overdue debts have been paid off, but the overdue records have not been deleted.
The user has paid off the overdue debt, but the overdue record has not been automatically deleted. At this time, overdue records will still have a negative impact on personal credit information.
One of the conditions for applying for a loan to buy a car is that the applicant has good credit information and poor credit information, and usually cannot pass the loan review.
If the loan cannot be approved, the user must wait for the credit information to return to normal before applying for a loan to buy a car.
Good credit information is one of the conditions for loan to buy a car, and good credit information may not pass the car loan audit.
The overdue debts have not been paid off.
If the user fails to repay the overdue debt, the overdue record will be kept in the personal credit information.
No matter what the overdue amount is, as long as there is an overdue record in the credit report, then the user cannot borrow money to buy a car.
Banks or auto financing companies require applicants for auto loans to have good personal credit information. The overdue records in the credit information indicate that users' repayment ability and willingness are not strong, so lending to users will be risky, so banks or auto financing companies will reject users' auto loan applications.
To sum it up.
After Gitzo is overdue, the overdue record will be uploaded to the user's personal credit report. Users must pay off overdue debts as soon as possible so as to delete overdue records as soon as possible.
After the overdue records are deleted, personal credit information will return to normal, and users can handle credit business normally at this time.
Before the overdue records are deleted, the overdue records will have a negative impact on personal credit information, and users will not be able to handle credit business during this period.
Although many online loans do not need credit reporting now, every small loan platform cooperates with third-party credit reporting platforms. If a platform is overdue or fails to repay, the third-party platform that cooperates with it will record this situation. Later, when applying for loans on other small loan platforms, it is difficult to pass the examination. In order to control your big data status in time, you can get accurate and complete big data reports on Changbai data.
Extended data:
Will the contact number and address book be called after the gold bars are overdue for half a month?
Gold bars are overdue for half a month, and no contact number and address book are used for collection.
If it is overdue for half a month, it is mainly to call me for collection. In the meantime, as long as users pay off their debts as soon as possible, there will be no more collection calls.
There is a special case that the user's gold bars are often overdue, and the overdue amount is high. Therefore, although it is only overdue for half a month, it is not excluded that the gold bars will call the contact person's phone or address book for collection.
In order to prevent their relatives and friends from receiving collection calls, what users need to do is to pay off overdue debts as soon as possible. The sooner they pay off their debts, the lower the negative impact of overdue.
Moreover, after the gold bars expire, they can't be used any more, and it will also affect the white bars in JD.COM.
Users are suspected of maliciously evading debts, and gold bars may even sue users.
JD.COM gold bars have no grace period. The user must repay the loan on the repayment date. If they don't repay on the repayment date, even if the repayment is delayed by 1 minute, the system will consider the user overdue.