1. Whether WeChat lightning loan belongs to credit reporting is not clearly defined. However, Flash Loan has reached strategic cooperation with individual credit service providers authorized by eight countries, such as Sesame Credit and Lacarra Credit, and obtained licenses. With the further improvement of the credit information system, it is only a matter of time before the credit information of these microfinance applications is completed. Lightning Loan has reached strategic cooperation with individual credit service providers authorized by eight countries, including Zema Credit Information and Lacarra Credit Information. Personal overdue repayment records will enter the credit reporting agency system, which is unfavorable for future loans.
2. The lightning loan will decide whether to grant credit according to the overdue degree of the borrower. In other words, in the case of serious overdue, lightning loans will be lent. For overdue lightning loans, you can check their credit records on the central bank's credit information website to see if lightning loans have reported overdue records to the credit information system. Reduce borrowing. Due to the risk of default in the account, the loan amount will decrease rapidly after the overdue period, and the loan amount can be gradually increased as long as the repayment is made on time. Interest rates are rising.
In order to reduce risks, the next time you borrow money, the interest rate will be higher than others, and the overall borrowing cost will increase. On credit According to the customer service reply of lightning loan, the loan will be refused only when the loan is seriously overdue, and even the credit information will be affected. The overdue amount and term are controlled by themselves, and the application records, repayment records and overdue records of flash loans will be uploaded to the credit information. Borrowers should pay attention to repayment on time to avoid leaving bad credit records.
Lightning loan is mainly aimed at credit users and adopts social data credit mode, which is completely unsecured. The business is mainly based on mobile terminals, and only one mobile phone is needed to complete the processes of registration, credit granting and loan. Therefore, this is trustworthy. Of course, if a friend needs help or needs to know clearly before making a decision.