Detailed description:
1. Banks and other financial institutions will generally submit the borrower's credit information to credit reporting agencies, including Bohai e-loan. Overdue repayment will be recorded in the credit report, which will have an impact on personal credit evaluation.
2. As an online lending platform, Bohai E-loan also has the obligation to guarantee the borrower's credit, so it will report overdue behavior to the credit reporting agency. The longer the overdue time and the more overdue times, the more serious the impact on personal credit may be.
3. Overdue records will have an impact on personal credit rating and credit limit. Once overdue, it may lead to a decline in credit rating, a decrease in credit limit, and even inability to borrow again.
Summary:
According to the experience shared by users, Bohai e-loan will be reported at the meeting after three days overdue, which will have a negative impact on personal credit. Therefore, borrowers should strictly abide by the repayment period when using Bohai e-loan, avoid overdue and maintain personal credit.
Extended data:
Credit information system is a personal credit evaluation system established and managed by China People's Bank. It records personal credit information, including loans, credit cards, overdue and other related information. Credit report is an important reference for financial institutions to judge the credit status of borrowers, which is directly related to whether a person can get loans and how much loans he can get.
According to the Contract Law of People's Republic of China (PRC), the borrower fails to fulfill the repayment obligation within the repayment period agreed in the contract, which constitutes overdue. According to the contract, the loan contract of Bohai E Loan will also stipulate the time and method of repayment, and overdue behavior will have a negative impact on the borrower's credit evaluation.
The above conclusions are based on user experience sharing, and the specific situation may be different according to personal circumstances and Bohai e-loan policy. It is suggested that borrowers should repay on time on any lending platform to avoid overdue situations.