Handling a loan in a bank and using a credit card to repay the loan will be displayed in personal credit information. At present, in addition to banks, China's major lending institutions also have online lending platforms. You and I are one of the online lending platforms. Now you and I can both buy the subject matter to gain income, and we can also borrow money from the platform to meet our own capital needs. Will you collect credit information at the loan meeting?
Did you and I get the credit information?
The loan between you and me will not be shown in the credit report. If the user's loan is overdue for a long time, the platform will upload the personal non-performing loan record to the central bank's credit information system. The bad record of the central bank's credit investigation will remain for five years, and it cannot be eliminated or changed by itself within these five years. Once there is a bad record in the credit information, the application for credit card will be rejected.
Guidai is a p2p peer-to-peer lending platform in China, which was established on June 20 1 1. It mainly provides loan services for individuals, small and micro enterprises, self-employed households and farmers. Before the platform loan, the borrower is strictly audited, and the customer information and personal credit are adjusted and reviewed from multiple angles and dimensions; It can effectively monitor the loan, supervise the borrower's repayment status and avoid overdue repayment; After the loan, it also provides follow-up management services, reminds overdue customers of repayment in various ways, invites professional third-party collection teams to carry out collection work, and takes legal measures to solve it when necessary.
Will loans overdue be prosecuted?
You and I will be sued for long-term non-repayment, and the platform will ensure the normal repayment of overdue customers through judicial channels, which will have the following consequences after your loans overdue.
1, default interest, default interest and overdue fine are the most basic expenses, and account management fees may also be incurred.
2. collect. After the deadline, there will be a platform to call for collection. The collection targets are not limited to borrowers, but also include borrowers' parents, relatives, friends, colleagues and company leaders.
3. For credit reporting, the overdue time is relatively long, and the non-performing loan records on the platform will be uploaded to the central bank's credit reporting platform, and the credit reporting stain will be retained for 5 years.
4. Be sued. For users with a long overdue time, the platform will contact the law firm to issue a lawyer's letter, directly sue the borrower, and recover the arrears through litigation. The borrower will pay back all the arrears and will be fined. The most serious thing is going to jail.
Through the introduction of the above content, we can know that this loan platform does not answer the credit information system at all, but if it is overdue for a long time, it will leave a bad record on the credit information. Therefore, it is recommended that you don't take chances after applying for a loan, and don't act like a concubine, so as not to seriously affect your credit information.