If the comprehensive score is insufficient, users are advised to suspend the application and not to try to borrow again. Repeated operations can not only make your loan request pass the examination and approval smoothly, but also easily increase the possibility of rejection.
Second, the specific analysis
The first thing users should do is to find out what is wrong with their personal credit (you can directly consult the loan handling bank/lending institution and platform customer service). If the other party is unclear, you can make a credit report and check your big data on big data platforms such as Beijian Kuaicha and Winnie Hsin Cha. After finding out the reasons, they can take corresponding measures to solve the existing problems, and then they can try to borrow again.
For example, if you find that there are many debts, it is recommended to pay off the debts under your own name first or as much as possible, and reduce the personal debt ratio before borrowing. Also, if the credit information (big data) has been "spent" because of the existence of multi-head lending, it is recommended to keep it for at least three months before applying for a new loan. After three months have passed, the situation of "spent" big data (credit information) will be improved before borrowing.
And if you find that your personal credit is not good, and big data (credit information) has bad information, for example, you left an overdue record because you didn't repay on time, then you must pay off your debts quickly, and then take the time to patiently maintain your credit, and then borrow it again after the damaged credit is repaired (it is recommended to wait for three to six months).
You can quickly query in Beijian, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. What are the consequences of overdue credit reporting on online loans?
The consequences of overdue online loans are as follows.
1, resulting in penalty interest. There will be a high penalty interest after the online loan is overdue, which is calculated according to 65438+ 0.5 times of the original loan interest. The longer the overdue period, the more interest will be generated.
2. Be collected. After the online loan is overdue, the platform will collect users and contact their family, friends and colleagues. If it is serious, you can also call the user's company or the government department of the household registration to find out the user's economic situation. It will affect the normal life of users and friends around users.
3. Affect credit reporting. Some overdue records of online loans will be reported to the central bank's credit information system. Once the credit information is affected, users who want to apply for car loans, mortgages and other credit businesses in the future will be affected.
4. sued by the platform. If the overdue amount of the online loan is large and it is not repaid for a long time, then the platform can sue the user to the court and apply for court enforcement.
5. Blacklist. If users can't fulfill the effective judgment of the court, they will be blacklisted to limit their high consumption behavior.