After entering 20 19, the online lending platform with the background of listed companies is even more popular. So many people go to the micro-loan network to apply for car owners' credit loans. However, some people found that their own micro-loan network master credit loans could not be borrowed. Here, I will tell you what's going on.
Because the owner's credit loan of micro-loan network is a pure credit loan product, the borrower is not required to mortgage the vehicle, so the comprehensive credit requirement for the borrower is relatively high, and the final judgment will be made before lending. For people with insufficient comprehensive credit, they will encounter the situation that they can't borrow the quota.
What should I do if the credit loan of the owner of the micro-loan network is not available? Here, I will introduce some countermeasures to you.
1, found the problem
In order to solve the problem that the owner of micro-loan network can't borrow credit, the first thing we have to do is to find the problem, and then we can prescribe the right medicine. The specific reasons why the credit line of the owner of the micro-loan network can not be borrowed are: insufficient credit information of the central bank, insufficient repayment ability, invalid application materials, poor car use records and so on.
2. Improve your comprehensive credit.
After discovering the problem, everyone should find ways to improve their comprehensive credit. I suggest you do this:
(1) Improve personal information according to the situation and ensure that all information is true and effective;
(2) Reduce its own liabilities, strive to increase its income and improve its repayment ability;
(3) Pay attention to protecting your personal credit information and pay off all kinds of loans and credit card bills in time.
To sum up, it is because of the lack of comprehensive credit that micro-loan network owners can't borrow credit lines, so we need to further improve our comprehensive credit.
[img] User notification! Summary of the consequences of micro-loan network owner credit loans overdue!
Nowadays, many people are more casual when handling online loans, so there will be cases where there is no way to repay on time when they are due. There are many people who give credit to micro-loan network owners, loans overdue, asking what are the consequences of overdue. Here, I will give you a detailed introduction.
According to what we have learned, the repayment behavior of the micro-loan network owner's credit loans overdue will have a great negative impact on himself. The specific overdue consequences are as follows:
1, increasing the repayment burden
Like other loan products, the owner's credit loan of micro-loan network will charge overdue interest to the overdue person until the borrower pays off the debt. In this way, everyone's repayment burden will further increase.
Step 2 be collected
Once the borrower is overdue, the owner of the micro-loan network will arrange the staff to collect it until the borrower pays off the debt.
3. About credit records
Once everyone's overdue time is long, the overdue records generated are likely to be reported to the central bank for credit investigation. Once everyone's credit information is tainted, it will be more difficult to apply for loans and credit cards in the future. If you are always in arrears, it will become a credit black and a network black. For such people, it is not only difficult to apply for credit business in the future, but also to apply for assistance and preferential policies.
The defendant went to court.
For those who don't repay for a long time, they are likely to be sued by the micro-loan network and become Lao Lai. For Lao Lai, his normal consumption and children's education will be restricted.
Through the above, I introduce the consequences of credit loans overdue to the owners of micro-loan network, hoping to alert everyone.
I made a whole car mortgage on the micro-loan network, and the bank couldn't find it. Will it be reported to the credit bureau? It is best for people in the industry to answer. Thank you for your reward.
You can find it.
1. According to Article 12 of the Interim Measures for the Administration of Basic Database of Personal Credit Information, commercial banks can query personal credit reports from the personal credit database and handle the following businesses:
(1) Examining personal loan applications;
(2) Examining applications for personal credit cards and quasi-credit cards;
(3) Examining individuals as guarantors;
(4) Managing the post-loan risks of personal credit;
(five) to accept the loan application of a legal person or other organization or as a guarantor, it is necessary to inquire about the credit status of its legal representative and investor.
2. According to Article 13 of the Interim Measures for the Administration of Basic Database of Personal Credit Information: In addition to Article 12 (4) of these Measures, a commercial bank shall obtain the written authorization of the inquired person when inquiring about personal credit reports. Written authorization can be obtained by adding corresponding clauses in the application for sub-loan, credit card, quasi-credit card and guarantee.
3. The investment services released by the micro-loan network will undergo strict internal audit by the micro-loan network and professional institutions. All investment projects will be guaranteed by professional financial institutions, and the loan subject will provide mortgage, pledge and other guarantee measures to ensure the safety of investors' principal and income. Funds can only be transferred to the bank account bound by authentication, and users can query the details of the fund account in real time.
Extended data
The acts included in the personal credit information system are:
1. The credit card is overdue for three consecutive times (or six times in two years).
2. The monthly payment is overdue or overdue for 2 to 3 months.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.
6. Credit card overdrafts and mortgage loans are not repaid on time.
7. When providing a guarantee for a third party, the third party fails to repay the loan on time.
According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.
1. Enterprise credit information is mainly an institution that collects enterprise credit information and produces enterprise credit products;
2. Personal credit investigation is mainly an institution that collects personal credit information and produces personal credit products.
3. There are three main business models for credit reporting agencies in China:
(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;
(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;
(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.
Baidu Encyclopedia-Interim Measures for the Administration of Basic Database of Personal Credit Information
Phoenix. Banks can't check personal credit. All inquiry activities are recorded.
Baidu encyclopedia-micro-loan network
Baidu Encyclopedia-Credit Report
So much for the introduction of micro-credit cards.