Small amount of loans overdue affects credit reporting. If you repay the loan on time and maintain good loan behavior, it will generally not affect the credit investigation.
It is understood that micro-loan is a circulating consumer loan product launched by Tencent Weizhong Bank, an Internet bank, which is only for qualified WeChat users and mobile QQ users. The maximum available loan amount of micro-loans is 300,000 yuan, and it is basically no problem for users with application platforms to borrow several thousand yuan. They can choose to repay in 5 months, 10 months and 20 months, and the daily interest rate is between 0.0 15%-0.05%.
Will microfinance affect credit reporting?
As long as the micro-loan does not owe money, it will not affect the credit investigation. Generally speaking, most online lending platforms are not officially connected to the PBOC credit information system. If the borrower is not overdue, the platform will not actively report the loan and overdue records to PBOC. However, some users broke the news online before, saying that they had just opened the micro-loan in WeChat wallet, and immediately quit after seeing the quota, and then there was no operation. When checking personal credit information, the query records of Weizhong Bank appear on it. The reason is loan approval. This situation of microfinance is likely to have a negative impact on the total credit line. If there are too many personal credit inquiries (more than 6 times) within half a year, it is likely that when applying for a loan from a bank, it will be directly rejected.
Of course, if users apply for loans on WeChat micro-loans too many times and fail to repay them on time, they are likely to be directly rejected when applying for loans at banks. Because in the eyes of banks, looking for small loan companies to borrow money, on the one hand, borrowers are very anxious and lack of money; On the other hand, the interest rate of small loans is so high that users can accept such a high interest rate because there must be problems with assets or funds, so lending is risky.
How to open small loans
Micro-loan was launched by Weizhong Bank, the first Internet bank in China. It is relatively safe and adopts unsecured and unsecured mode, which is suitable for young people to use in emergencies.
Micro-loan adopts the official invitation system, and invited users can see the official entrance of micro-loan on WeChat payment or hand Q wallet. Click on the micro-loan entrance to enter the application process and follow the instructions on the mobile phone interface. Under normal circumstances, the credit application can be completed in three to five minutes, and the micro-loan can be used after the credit is successful. If you don't invite users, you won't see the micro-loan entrance, but don't worry. Microfinance officials are expanding the scope of opening up. Just wait patiently. Don't believe the strategy of opening on behalf of strangers and forcing them to open, so as not to be deceived.
After the credit is successful, everyone clicks "borrow money" below the limit. In most cases, the cash will arrive in less than one minute. This arrival speed is still very fast in the industry, which is very suitable for emergency use.
The money borrowed from the micro-loan will be transferred to the bank card designated by me. Micro-loan has a strict audit process and risk control system to ensure the safety of users' funds. Everyone must take good care of their bank cards, bank card passwords and corresponding payment passwords, and don't disclose them at will.
The opening of micro-loans is completely free. In the normal use of small loans, except for the interest generated by borrowing, no additional fees are charged, and prepayment will not generate handling fees and liquidated damages.
Does microfinance have an impact on credit reporting?
Whether micro-loans have an impact on credit information depends on whether users are overdue. Normal use of small loans will not affect users' credit information, nor will it affect users' use of loan services and credit card services provided by banks. Micro-loan prepayment will not affect users.
After the user is overdue, Weizhong Bank will upload the overdue record of the user to the personal credit information system of China People's Bank, which will affect the user's credit information and the user's use of the loan service and credit card service provided by the bank.
If the word Weizhong Bank appears in the user's personal credit information system, it needs to be analyzed calmly. The personal credit information system of China People's Bank is not a simple record of overdue records and bad credit records, but also records of performance and inquiry.
The information collected by personal credit information system takes bank credit information as the core, and also includes basic information of enterprises and individuals, non-financial liabilities information reflecting their credit status, court information and public information of government departments. The information collected by the personal credit information system has both positive and negative information.
The positive information in the personal credit information system will not affect users. Generally speaking, a good credit record means that there are more positive information and no negative information in the personal credit information system. There is neither positive information nor negative information, and it is called a white household.