1069 sent a text message saying that my loan is overdue, is it true?

Generally, many people will ignore text messages sent by 1069 about overdue filing of a case. If the case is really filed, the court will send you a subpoena to deliver the information. On the other hand, the court will also call you. On the phone When notifying case filing information, 1069 is basically not used to send text messages. If the text message starts with 1069, it means that this is an overdue case filing text message independently sent by the platform, and is not the actual filing of the case delivered by the court.

Will I go to jail if my loan is overdue?

If my bank loan is overdue, I will not go to jail. If the loan is a civil dispute, criminal liability will not be pursued. According to relevant regulations, if the loan is not repaid, you should negotiate with the lending institution to repay the debt instead of going to jail directly. If the lender refuses to cooperate because it does not have the financial resources required to perform, it may be subject to judicial detention.

1. If the loan is not repaid, it is a civil dispute and will not be held criminally responsible and jailed;

2. If the debtor fails to fulfill the court judgment during the performance period, the creditor can apply to the court Enforcement.

If a credit card is overdue and the cardholder overdrafts maliciously, it is considered a crime and may require imprisonment. A malicious overdraft on a credit card generally refers to the cardholder's behavior of illegally possessing the card, exceeding the credit card limit or the specified period, and still overdrafts, and refuses to repay the credit card after repeated collections by the bank. According to the relevant provisions of the criminal law, if one of the following circumstances occurs, a cardholder who engages in credit card fraud will face jail time:

1. The party uses a fake credit card, or uses a non-personal real identity certificate to defraud the credit card.

2. The cardholder uses an invalid credit card;

3. The criminal is suspected of fraudulently using another person’s credit card;

4. The cardholder’s malicious overdraft behavior; generally refers to the cardholder’s overdraft exceeding the prescribed limit or specified period of the credit card on the premise of illegal possession, and the card-issuing bank still refuses to repay the loan after repeated collections or exceeds the prescribed limit. Three months later, the previous payment has still not been returned.

How long will it take for a loan to be overdue before a credit report will be issued?

Generally, a credit report will be issued after 3 days of overdue loan.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. The bank will not make any negative comments on your usage records. It will only give you honest feedback on your historical usage records without any subjective judgment.

Loan overdue usually means that after the loan expires, the borrower fails to repay the loan principal to the bank that issued the loan according to the loan time limit stipulated in the loan contract without going through the relevant extension or re-loan procedures. and interest, thus causing the loan to exceed the agreed period.