A: Yes, the loan records and overdue loans of small loans in Beijing will be reported to the credit information system. Please refer to the credit record for details.
Q: How long is the credit record of Xiao Jing loans overdue kept?
A: For the retention time, please refer to the credit records of the People's Bank of China. Please contact the People's Bank of China for confirmation.
Q: Can the overdue credit record of small loans in Beijing be eliminated?
A: The normal credit record submitted by Xiao Jing Loan cannot be eliminated unless the credit record submitted by Xiao Jing Loan is wrong. In this case, you can contact customer service to make a complaint. If you make overdue settlement, Xiao Jing Loan will also submit the settlement record to the credit report.
Q: How long is Beijing's small loan credit overdue?
A: Xiao Jing Loan Association regularly reports credit records according to your specific situation, and displays them with your real loan credit records; The main body of the loan contract signed by the reporting party and the customer is "Shanghai Jinghui Microfinance Co., Ltd." or "Zhongrong International Trust Co., Ltd."
Q: What's the impact of overdue small loans in Beijing?
A: After loans overdue, the Xiao Jing Loan Association will forcibly recover the loan principal and interest from the Jingdong wallet of the loan store and charge a penalty interest; When the store has outstanding overdue amount, it can't apply for new loans, and it can't repay other loans in advance. If there are too many overdue times, Xiao Jing Loan will stop issuing loans to the store; If the overdue circumstances are serious, the POP store may temporarily open or close down until the payment is paid off.
Q: What is the overdue fee for early collection of small loans in Beijing?
Answer: overdue fee = overdue principal × overdue rate × actual overdue natural day (overdue rate is automatically calculated by the system, please refer to the early collection contract).
Q: How much is the overdue fee for order loan and credit loan of Xiao Jing loan?
A: Beijing small loans adopt a penalty interest rate of 50% higher than the loan interest rate. The overdue principal and interest are charged a penalty interest according to the actual number of overdue days, and the overdue principal is not charged normal interest.
Q: How to inquire about the overdue details of small loans in Beijing?
Answer: Computer-side operation path: If there is overdue amount in my Jingdong Finance-My Loan-Overdue record, you can see overdue prompt, overdue principal and interest and penalty interest after entering the Xiao Jing loan of Jingdong Finance, so you should immediately go to Jingdong Wallet to recharge and settle the overdue.
Q: How does loans overdue judge Xiao Jing loan?
Answer: Failure to repay the corresponding amount in full according to the repayment plan before 24:00 on each repayment date (or due date) is deemed overdue.