Do you collect credit by time? As an individual's "economic identity card", credit investigation is a report that records people's credit behavior. The better a person's credit record, the more willing financial institutions are to lend you money, and the higher the amount of loans they can issue. On the contrary, car loans, mortgages and even children's schooling may be affected. Generally, experienced loan drivers usually give priority to the loan platform for credit investigation when applying for loans, because they think that this will not affect their personal credit and make the next payment easier. So, the time that has been fired recently can't be used for credit investigation? Is it too late? Next, let's take a look at Bian Xiao, a public letter playing card. ? Staging Music, a branch of Beijing, Ke Rong and Zhan Jun, is a new vest of atomic loans in the past. At present, the maximum application amount is 50,000 yuan, with an average of 10000 yuan and the longest service period of 12. When applying for this loan, the borrower needs to have a credit card with six bills in it. At present, loan products do not check credit information when applying, but some lenders do, including the banking department and the consumer department, so please pay attention to the loan contract before lending. ? So, what happens if the time expires? 1. The impact on refinancing is mainly whether the refinancing can be passed, the amount obtained and the rate. Under normal circumstances, if the accumulated overdue days are less than 3 days, you can still enjoy the second loan or withdrawal if you refinance. After all, when anyone has no money at hand, the loan platform generally gives a tolerance period of about 3 days; If loans overdue lasts for 3 to 7 days, there may be no discount on the amount, but it will not affect the refinancing; Accumulated for more than 7 days, the probability of being able to borrow money is relatively small. 2. Collection is no different from 90% small loans on the market. All collected by telephone. Generally overdue within 3 days, you will contact the lender by phone+SMS first; If I can't get in touch or still don't call back, then the next step is to find your contacts, such as your parents, company colleagues, friends and so on. Almost all small loans are like this. After all, the loan platform is not a charity. If the lent money can't be collected, it will lose money or even go bankrupt. 3. Borrowers with credit records will be blacklisted in stages. Now all lending platforms enjoy blacklist information, and borrowers will not be applied for loans on other lending platforms. Whether to check the credit information when applying is different from not checking the credit information on the loan record. Under normal circumstances, there are not many credit reports for accounts below 3000, and accounts above 3000 will basically receive credit reports, but different accounts have different standards for credit reports.