If you can't find it, print a credit report, which will reflect it.
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My loan is not due for several months.
My loan is not due for several months.
FAW-Volkswagen Finance car loan will be paid back soon, but I forgot which bank card I left at that time. How can I find it?
You can check it in the credit files of importers and exporters.
According to Article 12 of the Measures for the Administration of Automobile Loans, the lender shall establish an independent credit file for each dealer borrower and update it in time. The credit file of the dealer shall at least include the following contents: the name, legal representative and business address of the dealer; Copies of various business licenses; Insurance, commercial credit and financial status of the distributor; Credit card (number) issued by China People's Bank; The model, price and purpose of the car to be bought or sold; Loan guarantee status; Other information needed to guard against loan risks.
Lenders should establish a dealer credit rating system, strengthen tracking and monitoring, and carefully determine their credit rating and loan conditions according to the following factors. Information reflected in the dealer's credit file; The credit status of the dealer's senior management; Customer performance introduced by the dealer; Other factors to be considered.
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Relevant requirements and regulations on auto loans:
1. The loan amount of the lender to the automobile inventory of a single dealer shall be based on the average inventory of the dealer for a period of time, and the specific period shall depend on the inventory turnover rate of the dealer. Automobile inventory loans should be approved, issued and managed one by one.
2. The lender shall regularly check the dealer's credit status by regularly counting the dealer's automobile inventory and analyzing the dealer's financial statements, and timely adjust the dealer's credit rating, loan conditions and inventory counting frequency according to the inspection results.
3. When the lender issues loans to auto dealers, the dealers must provide effective guarantees, and auto loans should be accounted for and managed separately.
Source: China Banking Regulatory Commission-Announcement on the Measures for the Administration of Automobile Loans (Draft for Comment) for soliciting public opinions.
How to check the progress of FAW Financial Loan?
Generally, it takes about 3 working days for the approval of financial loans to produce results. If you have good qualifications and quick information, it won't take a day. So if you just apply, don't worry too much, wait patiently. If you haven't heard from me for a long time, you can find the 4S shop loan specialist who helped you submit the information at that time. They will help you contact the situation and generally inform you of the result as soon as possible. Or call the application hotline of General Finance, give your name and ID number, or inquire. But the customer service didn't handle your application, and can only tell you a general situation ~
Will FAW-Volkswagen Finance check personal credit information?
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All the loans went to the credit bureau of the central bank. Loans from banks or some auto financing companies will be shown in the credit report. Personal credit information mainly includes three categories:
One is identity information, including name, ID number, home address, work unit, etc.
Second, loan information, including loan issuing bank, loan amount, loan term, repayment method and actual repayment record.
Third, credit card information, including issuing bank, credit line, repayment record, etc.
With the gradual improvement of the database construction, personal payment information of public utilities such as telephone, water, electricity and gas, as well as public information such as court civil judgments and tax arrears will be collected to fully reflect a person's credit status.
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Handling methods and consequences of bad credit information; (1) Ensure timely payment of arrears and all expenses;
(2) After five years, bad records can be automatically cleared and loan business can be handled normally;
(3) If there is no repayment, the bank can trace it back once after five years, and the non-recording period of retrospective increase is five years;
4. If the circumstances are bad, it can be traced back to permanent preservation;
⑤ During the period of bad credit information, you are not allowed to travel by train ticket or plane ticket;
6. Loans or credit cards are not allowed during the period of bad credit reporting;
⑦ During the period of bad credit reporting, travel abroad is restricted to some extent.
Source: FAW-Volkswagen Finance official website-Frequently Asked Questions
Wait online ~ Can the auto financing company check my credit record?
During the examination and approval period, will the public finance company use my ID card to check my personal credit history?
I believe I will use your ID card to check your personal credit history. If the detailed process of loan approval is complete, generally speaking, the loan will be approved the next day (not at home). If you need a home visit, it usually takes about 3 days, then sign the contract and send it back to the headquarters. The mailing time is generally 2 days. From applying for a loan to finally picking up the car, it can basically be completed within one week.
FAW-Volkswagen Finance: How much car loan is left in my repayment?
If you haven't done it, don't pay attention to it. Be careful to be fooled. FAW Auto Finance Co., Ltd. is an auto finance service company initiated by FAW Group. The company was established on 201165438+February. According to the official introduction, FAW Finance was established with the approval of China Banking Regulatory Commission. Mainly to provide users with auto finance related services. At present, FAW Finance provides services for users. ...
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