Does the credit loan affect the credit investigation

1. As long as it is not overdue, it will not affect the credit investigation. However, credit loan will reflect your debt and credit situation in credit investigation. Credit loan is actually a credit loan, also called pure credit loan, which is a kind of financial loan that you can apply for without providing any mortgage. Corresponding to it is mortgage loan, and credit loans are all based on credit information.

2. Credit loans are very popular, and all banks and financial companies have such loans. The most common credit loans are online loans, and you only need real-name registration system's mobile phone number and ID card to make payments. There is also a bank's credit loan, which requires a higher requirement. You need to have a punch card salary or social security provident fund before you can apply. Another common credit card is the credit card reserve fund. As long as your credit card is in good condition, the bank will give you an installment loan, and we will also become a credit card loan. Then credit loans, corresponding to mortgage loans, such as real estate mortgage loans, vehicle mortgage loans and so on.

3. Every loan you apply for a credit loan will be reflected in the credit report, but as long as you don't overdue it, it will have no influence on the credit report. If the credit loan is overdue, it will leave an overdue record on the credit report. When you apply for a credit card or loan again, it will be easily rejected. If it is not overdue, the credit investigation will only record the credit, liabilities and repayment of the credit loan, such as the amount applied, the number of installments, the outstanding amount and so on. Credit loans are 1% of your liabilities, regardless of whether the money is used or not. The credit card is different. The credit card usage amount is counted as your debt, and the unused part is not counted, but both of them will occupy your personal credit line. For example, if the amount of credit loan you apply for is relatively large, then when you apply for other loans or credit cards again, the amount of loans and credit cards will be relatively small, because everyone's credit line is fixed in the short term by the central bank, so if one party accounts for too much, the other party's credit line will be reduced.

Will credit loans affect personal credit investigation?

Credit loans are all for credit investigation. As long as they are not overdue, they will not affect credit investigation. Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. It is characterized in that the debtor can obtain the loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as the repayment guarantee. This kind of credit loan has been the main lending method of China Bank for a long time.

Consequence of overdue repayment of credit card:

Consequence 1:

After a credit card bears a high penalty interest, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If it is not fully repaid on the last repayment date, it will generate revolving credit interest on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

except for ICBC, the other 12 banks still impose full penalty interest. Full penalty interest means that even if the customer repays part of the money, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at five ten thousandths of the daily interest rate. In addition, some banks stipulate that the daily interest rate shall be calculated at 5/1 within 15 days from the bookkeeping date, at 1/1 after 15 days, and at 15/1 after 3 days or the overdraft amount exceeds the prescribed limit. The longer the default time, the higher the penalty interest.

Consequence 2:

The violent collection of legal credit cards has become a hot topic. Many bank credit card centers outsource the collection of credit card repayment to some so-called "debt collection companies". These companies are mixed in quality and crude in debt collection methods, which brings great troubles to customers.

not only that, the defaulting customer may also face legal problems. According to the provisions of the Criminal Law, if a bank fails to repay a credit card with a malicious overdraft of more than 5, yuan after three months' collection, if the circumstances are serious, it may be investigated for criminal responsibility for the crime. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, they will also bear the litigation costs, which is even worse.

Consequence III:

Leave a "credit stain" in the national credit information system. In 26, the central bank set up a national unified basic database of corporate and personal credit information. As long as you have applied for a card or made a loan in a bank, you will automatically generate your own "credit report" in this system. The "stain" in this report can not be ignored, and it will affect the application for various loans, insurance, job hunting and overseas. In November 212, the new personal credit report of the central bank was launched. Credit cards and loans overdue before October 29 were no longer displayed, and the overdue records were kept for five years thereafter. This move means that the public's overdue negative record is no longer accompanied by life. If it can be repaid in full and on time for five years, the credit can be returned to innocence.

does credit loan affect credit cards? Why can I get a loan but not a credit card?

Credit loans need no mortgage guarantee, which is convenient to apply for and easier to borrow money than traditional loans. Many people want to do credit card turnover after getting credit loans, and they are worried that banks will not grant cards. So does credit loan have an impact on credit cards? Why can I get a loan but not a credit card? In fact, the requirements of credit loans and credit cards are very different. Let's briefly introduce them today.

does credit loan affect credit cards?

it will definitely have an impact. At present, all credit loans on the regular platform are on the credit report. When applying, a query record of loan approval will be left on the credit report. After the application is successful, the loan information will be displayed in the credit record, including the loan amount, monthly repayment amount, overdue status, etc. These are all reference factors for checking the credit report when approving credit cards.

Among them, the inquiry records can reflect the applicant's financial situation, and the inquiry records can reflect the credit status and repayment ability of the application. Too many hard inquiry records indicate that the economy is not in good need, and poor credit and repayment ability will increase the difficulty of credit card application.

why can I get a loan but not a credit card?

Being able to get a loan means that the applicant's qualifications are not bad, but the credit card depends not only on the applicant's qualifications, but also on the selected bank and card type. For this reason, if you can't pass the credit card when you apply for a loan, it is not necessarily a bad qualification. It is likely that you have not chosen the right bank and card type.

It is recommended to choose the appropriate bank and card type according to your own credit conditions. For example, it is recommended to choose the ordinary credit card of a commercial bank with general qualifications, which is slightly easier than the high-end credit card. In particular, those who have never had a credit card, their own economic strength is not very strong, they have no deposits in the bank, and they have no wealth management products. From the beginning, they have a high-end card. As a result, it is conceivable that nine times out of ten they will be rejected.

The above is the introduction of "Does credit loan affect credit cards?" I hope it will help you.

Let's stop here for the introduction of credit loans affecting credit.