How long can China Merchants Bank check the credit information after lightning loans overdue?

Under normal circumstances, the lightning loan of China Merchants Bank will be reported to the credit information system within 30 days after it is overdue.

Detailed description:

1. China Merchants Bank's lightning loan is a loan product with fast turnover and fast lending. Overdue repayment in time, can report to the personal credit information system.

2. After transferring the wrong card one day overdue, transfer it again immediately after receiving the text message. In this case, it will not be reported to the credit information system immediately. Because you pay back in time, the bank can think that you are overdue because of negligence.

3. Check the credit information the next day and find that there is no overdue record. It may be because the bank hasn't reported it yet, or it may be because the data is updated late. The specific reporting time will depend on the operation process of the bank.

4. If you repay the loan after loans overdue, and no new overdue records are generated before the report, your credit record may remain normal and there is no overdue record. However, it should be noted that once the bank reports the overdue record to the credit information system, this record will be kept for a period of time, usually about 2 years.

5. To sum up, under normal circumstances, China Merchants Bank will report to the credit information system within 30 days after the lightning strike in loans overdue, but the specific situation may be different because of the bank's operation process.

Extended data:

Personal credit information system is a credit information institution established and managed by the People's Bank of China, which is used to record personal credit. Credit records play an important role in personal credit evaluation such as loans, credit cards, housing loans and car loans. Therefore, timely repayment and avoiding overdue repayment have become an important way to maintain personal credit.

Summary:

After China Merchants Bank lightning loans overdue, it is generally within 30 days to inquire how long it will be reported. However, if the repayment is made in time after the deadline and no new overdue record is generated before the report, it may not be reported to the credit information system immediately. However, once the bank reports the overdue record to the credit information system, this record will be kept in the credit information system for a period of time.

The above is the answer to the overdue credit report of China Merchants Bank's lightning loan. I hope it will help you. If you have any other questions, please feel free to consult.