I don't have a loan, but I have an application record.

Why did you receive a loan message without a loan?

If the mobile phone often receives loan information, it is probably because:

1. If the user has borrowed money from the loan platform before, even if the loan is settled, personal information will be left on the loan platform, and the loan platform may send a loan invitation message for new sources of performance;

2. If the user has never made a loan, it may be official website, who has entered some loan platforms before and consulted information, and is considered as a potential customer, so the loan platform will also send a loan invitation message;

3. It may be that the user's personal information is inadvertently leaked, and the loan platform will send a loan invitation SMS to expand the business after obtaining the user information; Or the user's personal information is stolen by others to borrow money;

4. It may be that the user's mobile phone number has been changed, the former owner has a loan, and the reserved mobile phone number of the loan has not been changed, resulting in the user's mobile phone number continuing to receive loan text messages.

What are the skills of loan?

1. Evaluate your own conditions.

The so-called know yourself and know yourself. If you want a successful loan, you must have a general understanding of your credit status.

Specifically, we can start with age, income, work, education, assets and so on. And then compare the conditions of lending institutions, choose institutions and products that match our own qualifications, and strive for a one-time loan.

2. The purpose of the loan should be clear.

Personal loans can only be used for legitimate consumption and business turnover of individuals or families, and cannot be used for investment projects such as stocks, bonds and real estate that are explicitly prohibited.

If the loan provided is not used reasonably, the institution will not approve the loan, so it is necessary to find out what the loan is used for, such as buying a car or doing business, and keep the consumption certificate after the loan.

3. The loan term should be reasonable.

There are long-term, medium-term and short-term loan terms. The loan threshold is high or low, and the lending time is fast or slow. It is best to choose the appropriate loan term according to the urgency of funds and your repayment ability.

4. Choose the right lending institution.

Mainly consider going to a bank for a loan or a finance company for a loan. The bank threshold is low, but the advantage lies in the low interest rate, and qualified borrowers can choose banks; The threshold of financial companies is lower than that of banks, but the interest rate is higher. Borrowers with average qualifications run into a wall in the bank, so they can try a finance company.

If you don't know your qualifications and want to get a smooth loan, you can find a formal intermediary company to help you. They will analyze the advantages and disadvantages of borrowers and recommend more suitable loan channels.

5. Choose the appropriate loan amount.

Many lending institutions give credit lines first, and then let borrowers borrow within the line. They must be rational, choose according to their actual capital needs and loan term, consider their repayment ability, and eliminate overdue risks.

6. Proper packaging of personal data

You can start with unit information and personal income. Company information, such as company address and telephone number, is fixed. If there are positions that can be packaged, it is easier to get loans than ordinary employees if they write management positions such as department managers. In addition, it is better to discount the various benefits and subsidies of the unit, plus the year-end bonus, which is enough.

7. Provide additional supporting information.

One is to include financial proof materials, such as automobile production, real estate, wealth management products, etc. ; One is a third-party account, such as Jingdong Finance and Alipay. If you apply for a loan from these platforms, the account level is high and the score is high, so it is easy to obtain a higher loan amount.

8. Apply for a credit card

You can usually apply for a credit card, and there is basically no problem with personal qualifications and credit information. In addition, by using the card, the institution can know the cardholder's spending power and repayment ability, which is a good reference factor for applying for a loan.

I don't have a loan. Why do I have loan information?

It may be because someone else filled in the wrong mobile phone number when applying for a loan, or once registered a loan account, and the system pushed the advertising information uniformly.

As long as you confirm that you have not applied for a loan, the loan message you received can be ignored directly. Users are not sure whether there is a loan, so it is best to call the customer service hotline for consultation.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.

Loan repayment method:

Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is10,000 or an integer multiple of10,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.

At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, the fund demanders should "shop around" and choose low-interest bank loans.

Go to the bank to ask for a credit report. If I haven't borrowed money or applied for a credit card, is the credit report useful?

Go to the bank to ask for a credit report. If I haven't borrowed money or applied for a credit card, is the credit report useful?

If you have never applied for a bank loan or a credit card, you can maintain a good credit and have certain advantages in obtaining a bank loan. But in fact, banks are more willing to trust loans to customers who have dealt with them, so it is recommended to use credit cards and have a good credit record to handle loans.

I haven't borrowed money or applied for a credit card, so it should be no problem to check the credit report. Why did the loan fail? What do you mean?

If you haven't applied for a loan or credit card, it means that you are a white household and it is generally not easy to apply for a credit loan.

Hello, I haven't applied for a credit card. Why does the credit report show that I have a credit card?

Look at the specific issuing bank of the credit card on the credit report and contact the issuing bank for handling.

Many cardholders have applied for bank cards during their college years, and they all mistakenly think that they are savings cards, but in fact they are credit cards, which leads to their ignorance after the deadline. Contact the issuing bank for verification as soon as possible. If you are sure that the card is not handled by yourself, you should contact the issuing bank to handle it.

The credit report has been approved by the credit card of Guangzhou Rural Commercial Bank. I haven't dealt with this.

If you suspect that someone illegally uses your identity to apply for a credit card, you can call the Rural Commercial Bank to check through the ID number to find out what is going on. You are more practical, so you should keep your documents and materials strictly confidential in the future, and don't disclose them to others casually. Hope to adopt!

Never used a credit card to buy a house. Do you want to get a credit report?

There is not much need. If personal information and ID information are not leaked, there is no problem.

If you are not at ease, you can pull it and see if anyone else has used your ID card to apply for a credit card.

I haven't applied for a credit card. Can I check the credit information? How to check

If you apply for a credit account, you can check it. If there is nothing in the account, don't look it up. If you check too much, it will be bad for your credit. You have to apply for direct card, free connection and technology.

Can I check whether I have applied for a credit card for personal credit information? If I can't register, I just didn't apply for a credit card and loan. I haven't applied for a credit card and loan yet.

You can check whether there is an application, or you can go to the People's Bank of China or check the credit information online.

Why have I never got a loan or a credit card, and my credit rating is so bad?

Credit investigation also includes the record of mobile phone arrears and the judgment of civil non-payment. If you don't take these things, there is only one possibility that someone else has used your identity.

I have no credit history! No bad bank loans and credit cards! Do you want to pay back the online loan that is still 7000 yuan?

I want to return it.

What are the consequences of the loan money?

If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement;

When accepting compulsory execution, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;

If the lender refuses to perform the effective judgment because there is no enforceable property under its name, negative information such as overdue repayment will be recorded in the personal credit report, and it will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Basically, it won't affect, and you can repay on time in the future.

What is the central bank's credit report? I don't have a credit card. Never borrowed money from the bank. Will there be a credit report?

Everyone has a credit report, but it won't be in your report

I checked the credit information myself, and I have the record of "loan approval" from China Bank, but I don't have a card from China Bank, and I didn't apply for a loan. Why?

As Baidu Channel cannot inquire about personal and account information, it is suggested that you call the customer service hotline of Bank of China at 95566 to provide relevant information for further inquiry.

The above contents are for your reference. Please refer to the actual business regulations.