ICBC Rong E borrowed money today, and then there was not enough money in the card. Does overdue have an impact on credit reporting?

1, affecting personal credit information; If ICBC lends e-loans, the related loan activities will be recorded in the personal credit report, which will have a negative impact on the lender's future consumption.

2. Affect the loan amount; The credit limit of overdue users will generally be affected, and it is likely that the credit limit of lenders will be deducted or reduced.

3. Impact on refinancing; It's hard to borrow it after the deadline. If you are not honest within the time limit, it will be considered as bad credit, and it will be difficult to pass the loan application again.

4. There will be late fees. For overdue users, ICBC Financial E-Loan will charge a certain penalty according to the overdue time of users. The longer the overdue time, the higher the user fee.

According to some small partners, ICBC's e-loan will be recorded in the credit report once it is overdue. It is understood that the loan situation of ICBC Rong E will be recorded in the credit report. Regardless of whether the user is overdue or not, the user's loan activity will remain on the personal credit report. Therefore, as long as the repayment is overdue, ICBC Rong E will report the credit information, regardless of the overdue time. Generally speaking, the consequences of overdue e-loan of ICBC are serious. Everyone must form a good habit of paying back on time and avoid bad behaviors such as overdue.

The repayment date of E loan is calculated according to the application date, and the next month is the repayment date. But if the repayment date is exceeded, or it is a few days late, it will be overdue. As for whether it is overdue one day later, it depends on whether the bank has set a time-tolerant repayment period for this product.

As far as we know, ICBC has set a three-day tolerance period for e-loan, that is to say, as long as it repays on time within three days after the final repayment date, it will be regarded as normal repayment, regardless of overdue, no penalty interest and no need to report to the People's Bank of China. If the repayment is not made within the tolerance period of more than three days, even if it is only overdue 1 day, it is also overdue. From the above introduction, Rong E has a three-day grace period for repayment. As long as you repay within three days after the repayment date, it will not be overdue. If the repayment is overdue on the fourth day, ICBC will truthfully report the credit information to the People's Bank of China, which means that the credit information will be collected, which will produce bad credit records and affect your personal credit. In addition to credit investigation, Rong E will charge 70% higher than the benchmark loan interest rate when it is overdue, and collect overdue interest on a daily basis from the repayment date of overdue amount to the repayment date of overdue amount.