Loans overdue, as long as the loan has not been repaid, even if the debit card is changed, the money will be deducted from the previously bound card. I suggest that you return the overdue loan as soon as possible.
Loans overdue.
There are both short-term and long-term loans overdue, and the consequences are different due to different overdue periods. But most people have a lot of misunderstandings about loans overdue, and they will regret it when it has serious consequences!
Short-term overdue loans and their consequences
Different financial institutions have different definitions of short-term overdue time. In view of short-term overdue, institutions generally do not take compulsory measures, but will remind them to collect repayment, and the consequences are:
1, high fines and liquidated damages
After loans overdue, in addition to interest and principal, you also need to pay a high penalty interest and liquidated damages.
2. Leave a personal credit stain
The overdue records will remain on the credit report, and even after repayment, the overdue records will be retained for 5 years. Overdue records will affect almost all the subsequent financial activities of the overdue person.
3. Receive text messages and collection calls.
Lending institutions will continuously send short messages and telephone calls to collect overdue funds, inform borrowers of the serious consequences of overdue, and order borrowers to return overdue principal and interest within a time limit.
Long-term overdue loans and their consequences
Generally speaking, overdue for more than 90 days will be regarded as malicious overdue by lending institutions. Banks can sue for recovery if they are maliciously overdue for more than 90 days, regardless of the amount. After the court's decision, the information of the person who has broken his promise (Lao Lai) will be announced to the public, limiting his high consumption and taking the high-speed rail.
With the supervision bureau becoming more and more strict, the online loan platform is becoming more and more standardized and strict. Now many online loans are receiving credit information, so the credit information record is a matter of great concern to all borrowers. Today, I will popularize the knowledge of online loan credit information for everyone, hoping to help you.
1. The handling of online loan credit records is very "humanized";
Compared with traditional banks, online credit information is much more humane, which means that you will be given a certain grace period for your unintentional overdue due to temporary negligence. However, if you default for a long time, it is easy to have the borrower's tainted record, which is also the key reminder in the credit information system, which is very serious for personal influence!
2. The retention period of bad credit record of bank loan default is 5 years.
According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident. Bad records will not be discovered by other banks after paying off the principal and interest and liquidated damages for more than 5 years. It is worth noting that the credit stain will remain until the loan is settled. So everyone must cherish their credit records.
3. The retention period of bad credit records of overdue credit cards is 2 years.
Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If the card is cancelled, the record will be kept for a long time. Therefore, it is recommended that credit card users continue to use their cards for two years after paying off their debts. During this period, they can maintain good credit and delete bad records from the credit information system by rolling records.
All three are based on short-term default. If the overdue information has been uploaded to the People's Bank for too long, pay off the debt and the system will automatically eliminate it after 5 years.
Online loan, will it be deducted if I change my bank card?
Generally, it will not be deducted directly.
1 However, if the loan company sues, it will inquire about the property in your name and pay off the debt with the property in your name.
If you are unable to repay in a short time, you can negotiate with the lender to repay by installments or extend the repayment period.
If it is not repaid for a long time, the lender can apply to the court to enforce the property under its name if the lawsuit is successful. If it is serious, it may be detained by private law and reported by credit reporting agencies.
Expansion: the influence of online loan credit information;
1. If the number of online loans is small, there is no overdue repayment, and there is no online loan record after paying off the loan, then the impact on bank loans is not great.
2. If there is no record of overdue repayment, too many online loans will also affect the approval of bank loans, because too many loan records will make banks question the financial strength of borrowers, thus affecting lending.
3. If there is a record of overdue repayment, it will affect personal credit records and also have a negative impact on bank loans. Overdue repayment will result in high penalty interest and liquidated damages. Take the interest installment as an example. If the borrower fails to repay the loan within the time limit, the liquidated damages shall be charged at 1% (daily interest) of the total unpaid price. If the borrower is in arrears for 65,438+00 days, 30% of the total price is not paid as liquidated damages.
In addition to the central bank's credit information system, third-party credit information also has great influence. Like Sesame Credit and Koala Credit, if the overdue time exceeds 3 months, it will not only charge liquidated damages, but also enter the collection procedure. More importantly, the credit score will return to its original shape immediately, and it is completely impossible to apply again or obtain other privileges.
5. At present, the personal credit report in the credit information system shows three kinds of information:
1. Personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc.
2. Credit transaction information, including credit card information and loan information. , mainly to verify the personal loan situation in the last five years, whether there is credit card overdue discipline;
3. Other information includes inquiry records, which generally show the reasons, methods and times of inquiries made by individuals or institutions.
Will the bank card bound by online loan be deducted if the card number is changed?
No, the new card number has nothing to do with your previous loan.
Supplementary card with the same card number: the loan deduction is not affected, and the amount in the card is enough for normal deduction; Supplementary cards with different card numbers: the loan deduction account needs to be changed, and the new card can be deducted after the change is successful. At that time, the loan was bound, and which bank card was deducted. Has nothing to do with other bank cards. This requires authorization. Each bank card will be authorized separately, and you will not be authorized to bind one bank card and then deduct it from your other bank card.
First, the definition of online lending:
Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors gain future income through investment companies.
Second, the advantages of online lending:
1, with high annual compound income.
The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.
2, the operation is simple
The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.
3. Develop thinking.
Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.
Third, the operating mode of online lending:
1, P2P mode
Online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal.
2. Method of creditor's rights transfer
The creditor's rights transfer model can better connect the borrower's capital demand with the investor's capital demand, and actively carry out business in batches, rather than passively waiting for their respective matching, thus achieving rapid expansion of scale.
3.P2B mode
P2B platform is characterized by individual to organization, and the specific operation mode is that third-party organizations do risk control. The platform connects the risk control projects or targets of third-party organizations with investors on the platform, and intelligently solves the problems of unprofessional risk control and poor risk control level of the platform.
Will other bank cards be deducted in loans overdue, a rural commercial bank?
Generally, it will not be deducted. If it is a bank card with repayment, it will be deducted. In another case, if you are sued by the court for enforcement, you will also be forced to deduct money.