If it is a loan from Ping An Bank, the loan will be deducted in the early morning of the same day according to the repayment date agreed in your contract. If you miss the deduction time, please deposit the full amount as soon as possible and wait for the subsequent deduction.
If the full deduction on the repayment date is unsuccessful, overdue records will be generated; Please deposit the money into the repayment account in advance (excluding the repayment date) according to the contract, so as to avoid penalty interest and affect your credit record. If in doubt, please contact your loan account manager for consultation.
Query personal loans overdue records, you can query personal credit reports. There are two ways for individuals to print credit reports:
1. On-site inquiry and printing: I bring my valid ID card to the branches of the People's Bank of China for on-site inquiry and printing. At the same time, the People's Bank of China will also authorize some commercial banks to handle this business. You can go to official website, the Credit Information Center of China People's Bank (website: www.pbccrc.org.cn), click Customer Service, and find the "National Credit Information Sub-center and Contact Information" to inquire about the addresses and telephone numbers of credit information inquiry points in various cities.
2. Online inquiry and printing: Open the Credit Information Center of the People's Bank of China, official website (website: www.pbcrc.org.cn)-Core business-Internet personal credit information platform-Click "Start immediately"-Register a new user-fill in personal information-verify the dynamic code of SMS-login-verify identity-select personal credit report, and submit an inquiry application according to the prompts. After the credit information is processed (usually the day after the inquiry application is submitted successfully), the credit information system will send a short message containing the identity verification code to the user. You can log in to the credit information system within 7 days after receiving the identity verification code, use the identity verification code to query the contents of the credit information report, and choose to print at the same time.
Tips: The above instructions are for reference only, subject to the latest flow of credit information system of China People's Bank.
Reply time: 2021-11-25. Please refer to the latest business changes announced by Ping An Bank in official website.
Second, how to query the overdue details of personal credit information?
Go to the local people's bank branch to inquire about the details of credit investigation. , you can clearly indicate the details of various loans and credit cards.
You can also go to the China People's Bank official website Credit Enquiry Entrance, enter your personal ID card and facial verification, and download it.
Third, how to inquire about personal overdue?
Every bank will regularly feed back the customer's loan records to the People's Bank of China, so your personal credit records are all in the central bank. You have to go to your local People's Bank with your ID card, and you will be given a list of credit card records, so that you can know your credit information in various banks.
4. Is there any overdue loan for personal credit investigation?
First, overdue credit records will have a negative impact on the loan application, but it is not necessarily that the loan review will fail. If the three-party financial institution fails for no more than 2 times, and the number of overdue times reaches 6 times or more continuously, the banking system shall not approve it. However, in the same overdue situation, third-party financial lending institutions will be relatively loose and have different tolerance for the term. Relatively loose audit institutions, even if the audit is passed. If the overdue times are less than the audit requirements of any financial institution, you can increase your own assets, such as real estate, vehicle driving license, etc., so that the audit pass rate will be greater. Or find a friend with a good credit record, good economic strength and fixed assets as a guarantee, which is also one of the considerations of lending institutions. How to eliminate overdue records of personal credit information cannot be eliminated actively. However, according to the regulations, credit reporting agencies keep the collected personal bad information. Generally speaking, personal credit information is overdue. It should be noted that this five-year period is calculated from the date when overdue debts are paid off, not five years after the date when overdue records are generated. Don't worry too much if there is an overdue record of personal credit information. If there are not many overdue records, and the bank pays more attention to the credit information in the past two years, it will only apply for loans or credit cards.