Also, if the online lending platform is connected to the central bank's credit information system, it may be reported to the central bank's credit information system as long as it is overdue for one day, leaving a bad credit record on the personal credit information report.
Nowadays, online loans basically have their own credit system, and all online lending platforms are networked. Generally, users' relevant records can be recorded through big data. Therefore, once you are blacklisted by a certain online lending platform, you are likely to be affected when applying for loans on other online lending platforms.
Therefore, everyone should develop a good habit of repaying on time when repaying, so as not to be blacklisted after the deadline. Of course, if the interest on online loans is too high for you to afford, you can also collect evidence to report it. After all, usury is illegal.
Please register: Winnie Hsin. Click "Query" and enter information to query your own credit data, including personal credit status, Internet black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.
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What is the reason for becoming a "credit black account"?
1, credit card overdue repayment
Overdue credit card is a very serious problem. Many people's first reaction after overdue is that credit cards will not be used, and no one cares anyway. If left behind, it will enter the bank's credit blacklist, leaving a serious stain on personal credit information. Although the criteria for dividing the "credit blacklist" by banks are not consistent, there is a general reference interval, that is, three consecutive or accumulated overdue times, which is basically related to bank loans.
2. Long-term loans are overdue.
Now, with the improvement and development of the credit information system, many small lending institutions have also realized the linkage with the central bank's credit information. If there is no repayment in a small loan company or P2P platform, it will be recorded in the credit report. At the same time, the "blacklist" information between small loans will also be shared.
3. There is a problem in guaranteeing loans for others.
Guaranteeing a loan for others, if the other party does not repay or not, the guarantor will also have a bad record in his personal credit information. The consequences of secured loans are easily overlooked, but "sitting together" is also an indisputable fact.