1. seriously overdue
If the overdue occurs occasionally, although the overdue record will be displayed in the credit report, as long as you repay the loan in time and there is no overdue behavior again, the impact of this overdue may be reduced. However, if your loan (or credit card) repayment is overdue for 3 months in a row or 6 times in total, financial institutions or lending platforms will generally judge it as seriously overdue. Once there is a serious overdue record in the credit record, it may be difficult to apply for a loan.
Guarantee for others
If it is a guarantee between friends, if friends perform their obligations as agreed or the guarantor performs the guarantee responsibilities as agreed, it will not affect the credit investigation. However, if the guarantee of banks or other financial institutions is involved, there will be relevant responsibility records for the guarantor's credit investigation. So be careful before vouching for others. First of all, we should seriously consider each other's repayment ability. Second, the amount of guarantee should not exceed one's ability to prevent one from getting into trouble.
3. There are multiple loan records.
When you apply for a loan, if the loan platform finds that you are currently in debt on multiple platforms, it will be a dangerous signal. The platform where you apply for a loan will be worried about your repayment ability and refuse you.
Everyone will be short of money sometimes. If you are in urgent need of money, you can get a loan through the following methods: Apply for online loans to borrow money: Most online loans are credit loans and do not need guarantees and mortgages, such as borrowing money, micro-loans and JD.COM gold bars. After the application is successful, the next payment is very fast, and you can usually borrow money on the same day.
Which loan platform is the most formal and reliable, and the top ten loan platforms of lending APP with low interest rate and high pass rate are recommended:
Xiaoman Finance: Qianhua is a personal consumer credit service product launched by Baidu. After submitting personal data, you can get a quota, and you can pass the trial in 30 seconds at the earliest.
References:
Du Xiaoman has money to spend on official website.
At present, the maximum cost is 200,000 yuan, and the annualized interest rate is as low as 7.2%. For the specific amount of loans, the official has not given specific instructions. Most users who spend money are generally around 30 thousand yuan, and some users are above 70 thousand yuan.
360 IOUs: 360 IOUs can borrow up to 200,000 yuan. The minimum daily interest rate for 360 IOUs is 0.027%. However, the real interest rate depends on the comprehensive qualifications of borrowers, and many people have applied for loans on 360 IOUs.
4. Low repayment ability
Repayment ability is also one of the main indicators of the loan platform. When you submit the loan application data to the loan platform, the auditor of the other party will silently evaluate your repayment ability. If you apply for a high loan amount, but have no stable source of income, your application will also be rejected.