First of all, answer directly.

Overdue will have the following adverse consequences.

Second, the specific analysis

1, resulting in a huge fine.

No matter online loan, credit card or bank loan, loans overdue will generate late payment fees, and the longer loans overdue time, the more late payment fees will be generated.

2. being urged by the door or bringing a lawsuit.

In the early days of loans overdue, the loan service platform would send short messages for dunning. With the extension of time in loans overdue, the service platform may assign staff to make dunning, and in serious cases, the account may even be recovered through court prosecution.

3, endanger personal credit

More and more reliable online loans are all about checking users' credit records, not to mention loan banks. Loans overdue for more than 90 days are seriously overdue, which will leave a stain and endanger users' future credit business. At the same time, users will be restricted from going out on high-speed flights and staying in hotels.

Please register: Winnie Hsin. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. What will happen if the online loan is overdue for half a year?

Overdue will have the following adverse consequences.

1, penalty interest and liquidated damages.

If the loan is not repaid, the first thing you will encounter is legal interest and liquidated damages. If you don't want to get yourself into a loan quagmire, you should develop good repayment habits.

2. Credit will be damaged.

Whether it is money borrowed from banks or money from online lending platforms, if it is overdue, it will be much more difficult to apply for credit cards or loans in the future.

Some people think that overdue online loans have no effect on their credit information.

In fact, this idea is wrong. At present, there is an interconnected encryption system between the online lending platform and the central bank. On the online lending platform, there will also be a shared "blacklist" system, and your credit can be found out in minutes.

3. If the circumstances are serious, you will go to jail.

Many people are very concerned about whether the consequences of online loans not paying back the money will go to jail. Usually, such incidents of non-repayment of loans are civil disputes and have not risen to the criminal level.

However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail.

Of course, at present, China stipulates that the part of private lending disputes with an annual interest rate exceeding 36% can be requested to be returned. Therefore, in the face of some online lending platforms exceeding the statutory interest, lenders can take legal measures to protect their rights.

What are the consequences of two overdue records in personal credit inquiry?

There won't be any consequences, but if it is overdue for more than 90 days, you can't handle the loan business. Because the main problem of overdue is the overdue time, it is not a big problem for two consecutive times. As long as the single overdue is not more than 90 days, as long as there is no serious overdue of more than 90 days, the loan business can still be handled.

Personal credit objection handling process

The staff of the personal credit center said that if personal information is stolen by others, resulting in bad credit records, the parties concerned should immediately appeal to the issuing bank, which has a set of corresponding identification procedures to delete bad credit records.

First, check my credit report in the credit information center.

2. Submit a copy of the valid ID card and present the applicant's original, basic information and describe the objection.

Three, the staff to apply for objection, fill in the personal credit report application form.

Four, the two sides checked and signed for confirmation.

5. Waiting for a telephone reply, about 15 working days.

References:

Baidu Encyclopedia-Personal Credit

What happens if the credit is overdue twice? Will have these effects.

; ? When using a loan or credit card, once the repayment is overdue and exceeds the grace period for repayment, the overdue will affect the credit investigation. If there is no credit request, there will be no loan demand in the short term, which will have little impact on overdue credit information. However, if you still want to borrow it, it will be more troublesome for the credit information to get worse. What about those two overdue credit reports? Let's get to know each other.

What happens if the credit is overdue twice?

Overdue credit extension of loans or credit cards can also be divided into several situations:

1, short overdue time.

Generally overdue within 90 days is not considered as malicious overdue. If this overdue record does not exceed 6 times within two years, the overdue loan has been settled, and it is no problem to apply for mortgage or car loan, but the application for credit loan will be rejected. After all, it is not a good credit.

2. The overdue time exceeds 90 days.

If the credit is overdue for more than 90 days, it is maliciously overdue. In this case, the credit of the credit reporting party is already black, belonging to the credit reporting black household, and the loan application will be rejected.

3. The overdue settlement time exceeds two years.

If the overdue debt occurred two years ago and was settled at that time, the overdue record has little influence on the current application for various loans. Most lending institutions will only look at the borrower's credit reports in the past two years, and the overdue records two years ago will not have any negative impact.

Once there is an overdue record in the credit information, it will be kept for 5 years and will be automatically eliminated after 5 years. If the overdue loan is not settled, the overdue record will always exist and will not be eliminated. If you have any objection to your credit record, you can also raise an objection and ask for correction.

The above are the answers to two overdue credit reports. If you have overdue debts, you must deal with them as soon as possible. The shorter the overdue time, the smaller the corresponding negative impact. Once it is overdue for more than 90 days, it will be more troublesome.