Rest assured loan is a loan product under today's headline, and its lenders are financial institutions such as Bank of Nanjing and Bank of China Consumer Finance. So if there is overdue repayment, the overdue record will be collected at the meeting. In addition, these lending institutions cooperate with the central bank's credit reporting, even if the normal loan records are not overdue, they will be reflected in the credit reporting. Therefore, it is recommended that you repay on time, so as not to affect your personal credit.
If you accidentally overdue, you must contact the customer service staff who can borrow it safely in time, explain the reasons for your overdue, and then settle the overdue amount to avoid credit reporting on the overdue record.
1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
2. Credit information records an individual's past credit behavior, which will affect the individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
3. Credit investigation can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people. Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated China's commerce for hundreds of years, were able to rise to the peak, one of which was to establish the business philosophy of "honesty-oriented".