At present, most online loans are connected to the credit information system of the People's Bank of China, on the one hand to meet the national regulatory requirements, and on the other hand to ensure that the loan funds can be recovered. Because of the constraints of credit records, the risk of overdue repayment is still much smaller, and of course there are still cases of overdue. So, how do you check the overdue status of your online loan? Let's explain it in detail below.
First, how to check the overdue status of your online loan?
1. Enter the Credit Information Center of the People's Bank of official website and China, find the personal credit information service platform, register and log in, click on the credit information service to apply for credit information, and then make inquiries according to the prompts on the page.
2. Through personal online banking inquiry, such as the four major commercial banks, you can find the credit report inquiry service on the loan page of personal online banking, check the consent authorization agreement, and wait for the bank inquiry results.
3. You can also bring your valid ID card to the local branch of the People's Bank of China and query and print it through the personal credit report self-service inquiry machine.
Personal credit information will be recorded in the inquired credit report, including overdue online loan information.
Second, the manifestations of overdue online loans
1, the short version of the credit report is a summary in one sentence.
For example, the credit card issued by an institution on June 5438+ 10 in 2022 has a credit line of 15000, which is not overdue at present, and is overdue for five years 1 month.
2. Detailed credit reports have specific overdue symbols.
Under an online loan account, in addition to recording the credit line and available line, the most important item is the repayment situation, such as when the repayment date is, how much the repayment amount is, whether it is overdue at present, how long it is overdue, and so on.
The symbol "1" means overdue 1-30 days, the symbol "2" means overdue 3 1-60 days, the symbol "3" means overdue 6 1-90 days, and so on. The highest symbol "7" means
The above is about "how to check the overdue situation of your online loan", I hope it can help you.
There are three ways to check your overdue records.
First of all, answer directly.
If you want to check whether there are any credit products under your name that are overdue, you can log in to the Credit Information Center of official website-China People's Bank on the computer browser, check the personal credit report on the Internet personal credit information service platform (you can also go to the offline business hall of the local People's Bank with your personal ID card), or check the big data on third-party data platforms such as Xiaoqi Credit Information and Beijian Quick Check.
Second, the specific analysis
Because if there is overdue behavior, that person's credit report and big data will inevitably leave relevant overdue records.
In addition, you can also call the customer service phone of the handling bank (lending institution/platform) to ask the staff.
Also, you can check whether there is overdue dunning in the information received on your mobile phone.
It should be noted that overdue records cannot be eliminated in a short time, nor can they be modified manually, so you can only pay off the arrears quickly and then take good care of your credit. Under normal circumstances, the system should delete overdue records five years after the arrears are paid off.
It is suggested that you can know your current credit situation in the "North Construction Quick Check", get rid of the bad habit of applying for a loan, and cover up your dishonesty with a new good payment record.
3. How can I get a loan if I have a car under my name?
If you apply for a credit loan, as long as your personal credit is good, you can provide sufficient economic income information to the bank (lending institution/platform), and it doesn't matter whether you have a car or not.
Of course, you can provide a car driving license as proof of assets and financial resources.
If you apply for a mortgage loan, you only need to mortgage your car to get some funds.
If you apply for a mortgage or car loan, you can also guarantee good credit.
In fact, having a car in your name does not affect the handling of the loan. If necessary, you can also provide some help to prove that you have a certain economic foundation.
And if the credit is bad, such as credit problems, bad records, whether there is a car or not, the loan will be more difficult.
Therefore, we must pay attention to maintaining good personal credit.
It should also be noted that if the vehicle under your name is bought by loan and the car loan has not been paid off, you need to pay attention to the personal debt ratio when applying for a new loan, so as not to affect the loan approval because of too much debt. You can pay it back in advance and reduce the debt ratio of two people before applying for a loan.
How to query loans overdue records?
You can check your personal credit report. The personal credit report shows what you borrowed and what credit card you used.
Bring your ID card to the local central bank credit information center for on-site inquiry; Log on to the website of the central bank's credit information center, register and submit an inquiry application.
Credit record printing:
It is necessary to take the original and photocopy of the ID card to the Credit Information Center of the People's Bank of China for inquiry and printing, and some banks in Beijing have also launched self-service credit information report inquiry machines;
In addition, according to the current regulations, it is free for individuals to inquire about personal credit reports twice a year, and a service fee will be charged for the third time and above, 25 yuan.
Individuals can query their credit reports in two ways.
First, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will read its credit report.
Second, you can check with the credit management department of the People's Bank of China.
In addition to myself, only commercial banks can directly inquire about users' credit reports when handling loans, credit cards and other businesses and managing after loans, and commercial banks must also obtain users' written authorization in advance.
Extended data:
According to the Regulations on the Administration of Credit Information Industry:
Article 13
Personal information shall be collected with the consent of the subject of information, and shall not be collected without its consent. However, information disclosed in accordance with laws and administrative regulations is excluded.
Information related to the performance of duties by directors, supervisors and senior managers of an enterprise shall not be regarded as personal information.
Article 14
It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations.
Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.
Article 15
Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.
Article 16
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
Article 17
Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.
Article 18
When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.
Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.
Article 19
If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.
Where can I check the overdue online loan?
The inquiry method of overdue online loans is as follows:
1. Enter the Credit Information Center of the People's Bank of official website and China, find the personal credit information service platform, register and log in, click on the credit information service to apply for credit information, and then make inquiries according to the prompts on the page.
2. Through personal online banking inquiry, such as the four major commercial banks, you can find the credit report inquiry service on the loan page of personal online banking, check the consent authorization agreement, and wait for the bank inquiry results.
3. You can also bring your valid ID card to the local branch of the People's Bank of China and query and print it through the personal credit report self-service inquiry machine.