You-by-post loan is the online loan platform of China postal consumer finance established by China Postal Savings Bank. As a platform with a banking background, you will publish credit information. So once everyone's loans overdue, it is likely to affect their own central bank credit record.
Here are some suggestions to help you protect your personal credit.
1. When applying for a loan, you must make a reasonable loan plan, choose the loan amount and repayment period according to your repayment ability, and don't borrow too much.
2. After the loan is successful, be sure to remind them to repay, so as to ensure that they can repay on time and on time every month, and don't be overdue because they forget.
3. Get into the habit of saving cash during the loan period, don't spend all the cash, and don't buy wealth management products that are difficult to quickly tx.
4. After discovering that you have overdue loans, you must borrow money from relatives and friends in time, or sell your valuables to cash out.
5. If it is overdue, you need to contact customer service while actively repaying, strive for more repayment time, and protect personal credit as much as possible.
Under normal circumstances, a credit investigation will be conducted after the loan, and the loan must be used in accordance with the contract during the loan process.
Postal savings in China can be traced back to the postal savings business established in 19 19, which has a history of more than 100 years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the company was restructured into a joint stock limited company. 20 15 and 12, domestic and foreign strategic investors were introduced 10. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 12 was listed on the Shanghai Stock Exchange, successfully achieving the three-step reform goal of "share reform-going out-dual listing of A and H".
The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique advantages of the "self-support+agency" model and serving the "three rural issues", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and huge growth potential, this bank is a leading large-scale retail bank in China.