If you want to check whether your online loan is overdue, you can take the following measures:
1. Query big data directly. Users can log on to the information service platform of China People's Bank official website Credit Information Center to inquire about personal credit reports. If the online loan is overdue, there will be overdue records on the big data or personal credit report.
2. Inquire about the mobile online loan APP, log in to the online loan APP and enter the personal center to inquire about the loan situation. If it is overdue, it will naturally leave an overdue record.
3. WeChat pays attention to the small program of the online loan platform or the official WeChat account, and logs in to check the loan record, which will be displayed after the deadline.
4. Call the online loan platform hotline and ask the staff about their online loan repayment. The online loan staff will inform the user of the results after verification.
Second, how to query loan records
1. Call to ask. Users can directly dial 95588 to inquire, enter the credit card account number or passbook number to inquire about personal loan records, and can inquire whether individuals have loans or loan amounts.
2. Online banking, you can log in to the loan bank APP with your mobile phone and inquire about the loan information under your personal name. Usually you can query repayment records, personal information and other information.
3. Bank outlets, users can bring their ID cards to the issuing bank outlets near their residence, consult bank staff for help, or call the issuing bank's customer service hotline online for inquiries.
3. How can I check that my ID card has been loaned?
If you want to check whether the personal ID card is used for loans by others, users can directly go to the Credit Information Center of the People's Bank of China or log in to the Credit Information Center of the People's Bank of China on the computer to check the personal credit report. If there is a loan that you didn't do, it may be that your ID card was used by someone else to get the loan.
In addition, it should be noted that many criminals may use other people's ID cards to handle some illegal online loans, while informal online loans are basically not connected to the people's credit information system, so users may not record their personal credit information reports, but users can query their online loan big data through third-party institutions to see if there are loans in the big data that individuals do not know.
Legal basis:
Article 189 of the Contract Law of People's Republic of China (PRC) concludes a loan contract, and the lender may require the borrower to provide a guarantee. The guarantee shall comply with the provisions of the Guarantee Law of People's Republic of China (PRC).
Article 426 of the People's Republic of China (PRC) Contract Law If the broker facilitates the establishment of the contract, the client shall pay the remuneration as agreed.
Article 53 of the Guarantee Law of People's Republic of China (PRC) * * * If the mortgagee has not been paid off at the expiration of the debt performance period, he may agree with the mortgagor to receive compensation by discounting the collateral or by auction or sale of the collateral; If the agreement fails, the mortgagee may bring a lawsuit to the people's court.