Current location - Loan Platform Complete Network - Loan intermediary - The loan paid off on the credit report shows a balance of 0.
The loan paid off on the credit report shows a balance of 0.
The balance of 0 may be the kind of credit loan, and the bank gives you a limit, within which you can withdraw money at any time for recycling. For example, you were granted a line of 6,543,800+yuan, and yesterday you raised 50,000 yuan, and today you paid back 50,000 yuan, so today's loan balance is zero, but the loan has not been settled. You can keep it tomorrow if you want. Settlement means that you terminate the financing cooperation with the bank, the loan contract expires or ends, and you need to re-approve the loan in the future.

Extended data:

The steps and methods for inquiring your own credit information are as follows:

It can be printed through "Credit Information Center of China People's Bank-Personal Credit Information Service Platform", which has been opened to customers all over the country. Be sure to bring your ID card. You can check it in person, not on your behalf.

The inquiry steps are as follows: For reference:

1. Register user information and verify the authenticity of user identity.

2. Open the online payment function of UnionPay (there is no charge for online inquiry at present, the purpose of this step is to verify the identity of the cardholder, and the page prompts which bank's savings card or credit card, and China Merchants Bank only supports credit cards);

3. query; After checking the credit information, you can download it to the desktop in PDF format. As long as the computer is connected to a printer, it can be printed, and it has the watermark of China People's Bank. If you have any questions in the printing process, please call the customer service telephone number of China People's Bank at 4008 108866.

Some cities can also handle it through China Merchants Bank. The specific inquiry methods of China Merchants Bank are as follows:

1. Counter: At present, only the following cities have opened the service of China Merchants Bank outlets as agents to inquire about credit reports (agents are not allowed). If you need to inquire, please call the customer service hotline in advance or consult the specific information such as the handling rules of the corresponding cities through online customer service (only on weekdays): Shenzhen, Suzhou, Beijing, Nanning, Xuzhou, Liuzhou, Nanjing and Chengdu.

Tips: Please call the station in advance to confirm whether the machine is normal, and then go after confirming that the machine is trouble-free!

2. Professional Edition: After you log in to China Merchants Bank Professional Edition, click "All-in-One Card → Account Management → Personal Credit Report Query" to query the credit report, which is more convenient.

Tips: ① The card inquired must have been associated with the professional version at the counter before.

② There is no seal on the credit report printed by the professional version.

(3) personal credit report inquiry, according to the requirements of the Credit Information Center of the People's Bank of China, can only be inquired by applying for personal electronic certificate. For example, the customer is a professional version of the scan code login, there are two scenarios: one is a certificate, the other is undocumented, and only people with certificates can query. If not, please ask the customer to apply for a digital certificate first, open a personal credit report inquiry protocol, and then scan the code to log in and inquire.

3. Mobile Banking: After logging in to the Mobile Banking APP of China Merchants Bank, click Home → City Service → Personal Credit Report, enter the verification code and email address, and apply for inquiry;

After receiving the report, I suggest that you download the zip file attached to the credit report to your computer, extract the PDF file and print it.