Last month, it was particularly noteworthy that the amount of credit information collected on Chery Finance's car loan was not calculated last month. What would happen if the loan was delayed for three days?
In other words, you spent more than 10,000 yuan, and Chery Finance made a car loan. Because it was overdue for a few days, the car was towed away by the guarantee company, and I had to settle the balance at one time. Although online loan app is much easier than applying for bank loan, it does not mean that everyone can apply for online loan app successfully, especially some basin friends have some difficulties in applying for online loan app.
2. Will returning the car in loans overdue affect personal credit?
1, it will affect personal credit, and the repayment of car loans overdue will be recorded in the credit record, which will affect personal credit.
2. It will affect the handling of credit cards and loans. If there are too many overdue times, then applying for a loan or credit card will obviously fail. Ordinary banks (or other financial institutions) will consider whether an individual's credit record in the past five years is good or not.
Extended data:
Personal credit is the foundation of the whole social credit. The market subject is composed of individuals, and all economic activities in market transactions are closely related to personal credit. Once individual behavior is out of control, individual dishonesty will occur, and then collective dishonesty will occur. Therefore, the construction of personal credit system is of great significance.
Personal credit is not only the foundation of a country's market ethics and moral culture construction, but also a huge resource for a country's economic development. The development and utilization of such resources can effectively promote consumption, optimize resource allocation and promote economic development. The more the market economy develops, the more important the role of personal credit is, and the perfection of personal credit system has become one of the obvious signs of the maturity of market economy.
20 13, 10 The announcement issued by the Credit Information Center of the People's Bank of China shows that from 20 13, 10 and 28, the pilot scope for individuals to check their credit reports through the Internet will be further expanded, from the original three pilots in Jiangsu, Sichuan and Chongqing to the whole country.
The main information of personal credit:
1, identification information
It mainly includes name, identity document and unique number, date of birth, marital status, spouse information, home address, contact telephone number, etc.
2. Business information
It mainly includes the actual performance records formed by the credit relationship between individuals in loans, guarantees, credit cards, insurance and other institutions and financial institutions or housing provident fund management centers.
3. Public information
It mainly includes information such as personal tax payment, participation in social insurance and personal property status and changes.
4. Special records
Refers to records involving civil, criminal, administrative litigation, administrative punishment, etc., which may affect personal credit status.
5. Other information
Personal credit file credit information source: 1, provided by myself; 2. Provided by my employer; 3. Provided by financial institutions, commercial institutions or other stakeholders; 4, the announcement of state organs; 5. Public media coverage.
Personal credit report mainly includes the following information of consumers:
1, personal basic identity information (name, date of birth, address, telephone number, work unit, etc. )
2. Credit records (repayment records of credit cards and consumer credit)
3. Public records (communication payment, public utility payment, judgment record, etc.). )
4. Inquiry records (all inquiry records of the respondents within 6 months)
Personal credit score
It is a kind of credit service intermediary, which uses a specially designed mathematical model to evaluate and calculate personal credit ability and give a person's risk score according to the contents recorded in personal credit report. The higher the personal credit score, the higher the personal credit.