What should I do if I owe more than 1 thousand online loans and still can't pay them?

1. What should I do if I owe more than 1, yuan in online loans and still can't pay them? These online loans are not on credit, if not?

1. I owe 4, yuan for borrowing money, 1, yuan for spending money, 5, yuan for Qunar.com, 7, yuan for Jingdong Finance, 1, yuan for Xiaomi Loan, and 5, yuan for installment. If these are overdue, will it affect the credit investigation? Alipay's customer service did not directly state whether the loan will be reported, but introduced that the loan was jointly launched by Ant Financial and China Post Consumer Finance, so the requirements for credit reporting will be higher. Because the loan amount is very high, starting from RMB5, at the minimum, and it is a platform owned by Bank of China Finance, it is said that 99% of the loans are overdue. Flower buds were not used for credit information before, so there is no pressure for everyone to use them, but recently some users have found that flower buds are also going to start credit information. Many people found such a scroll bar in their own flower garden interface. Qunar. com is said to have borrowed flowers for credit reporting. Jingdong Financial Customer Service Center said: Some businesses of Jingdong Finance have been docked with the central bank. Please refer to the credit report of China People's Bank for details. Xiaomi Loan APP does not clearly indicate whether it is overdue for credit information, but for this kind of Internet, borrowing money is easy to be overdue with high interest, and overdue will also affect personal credit. Xiaomi has been approved by the China Banking Regulatory Commission to open a bank named Sichuan Hope, as long as the employer is a consumer financial institution of the bank, it will go to the city for credit investigation. Therefore, when you apply for Xiaomi loan, you can look at the fund provider first. If it is a bank, you must go to the credit bureau. It is said that installment music will not be used for credit reporting. Specifically, you can type a credit report in the central bank's credit information center to find out whether the records of the above loans have appeared in personal credit information. In order not to affect your credit, it is recommended to maintain good consumer repayment habits. Even if some online loans do not receive credit information, it will affect the situation of personal online loan big data. If you don't know about personal online loan big data, you can learn about it in WeChat official account such as Wei Sen Science and Technology. If the big data of online lending is not good, it may affect the results of your future online lending application. Nowadays, in addition to ordinary online lending institutions, there are many financial institutions that will retrieve online lending data, such as flower beds, loan beds, auto finance and some banks. 2. In the face of the monthly loan, there is no way, and we continue to raise loans with loans, which leads to this situation. Is it possible to explain the situation to the platform, and then only repay the principal, not the interest? Please stop using loans to support loans, or the amount owed will only increase. If you can't find a job outside because of injury, you can temporarily find some jobs that you can do at home and online to increase your income. When your financial ability is insufficient, it is better to ask your family for help frankly. Economic pressure and psychological depression can be alleviated. If the family is unable to repay, think about whether there are any assets in the family that can be used to pay off debts. If possible, you can also let your family go to the bank to apply for large loans in their own name, which is better than borrowing those small online loans to support loans. You can try to negotiate with the platform to repay only the principal, but in general, these institutions will not agree, but you can try. To support loans with an annual interest rate of less than 24%, the interest rate agreement of more than 36% is invalid. If the platform interest rate exceeds this standard, the interest that exceeds the legal standard can not be repaid. However, in order to avoid the platform chasing after you and disturbing your life with violent collection, it is better to communicate first. If the communication fails, turn to the financial supervision department or the police, and the evidence must be kept.

Second, the large-scale online loan that must be spent on credit information

If the credit information is spent, it is recommended that you don't apply for online loan again. At this time, it is basically not only the credit information, but also the big data is basically poor, and the online loan big data score is basically not passed. If you do apply for housing mortgage loan, you can apply for special approval to handle or handle some credit products of non-bank financial institutions.

how can I keep a clean credit report?

1. Get rid of the white letter period, avoid contacting loans and credit cards, and have no credit relationship with banks. Because, in the absence of credit information, lending institutions can not inquire about the willingness to repay, in order to ensure the smooth recovery of loans.

2. Those who have used credit cards or applied for loans on time and in full must get used to repayment and earnestly abide by personal credit information.

after the financial institution investigates your credit report, no new loans and credit cards will be generated.

What kind of personal loan does the credit investigation cost

1. Bank financing policy? For example, some banks want to issue credit cards to students at school, while others are not determined by their management ability and market positioning.

2. Basic information of the borrower: the nature of the borrower's work, residence, financial status, etc.

3. the borrower's credit status: the borrower's current debt level; Whether there is a credit history of borrowing money and not paying it back.

Therefore, the credit report is one of the references to help banks decide credit, not the only basis. Whether a credit report can be applied for depends on credit institutions such as banks

In layman's terms, personal credit is an important indicator of the degree to which personal credit is recognized by relevant institutions, which is related to the amount of our mortgage and car loan and whether the loan is approved. Even if you don't buy a house or a car, if you need a loan from the bank, and the traffic moves, including cars, trains, high-speed trains and planes; Employment education will also protect personal credit in the future.

third, what else can I do for online credit?

Yes

Fourth, the large amount of online loans that must be spent on credit information

First, the positive answer

The "flower" or "black" of big data means that the big data of your network has become worse.

Second, the specific analysis

Because many people think that online loans are not repayable, some people deliberately refuse to repay them after borrowing them, resulting in serious overdue, and finally become what is often called "cyber hacking"; Others think that the application for online loan is very convenient, and it is not necessary to call a contact person, so they keep applying, which will easily lead to the change of big data. When applying for a loan or a card in the future, you can refuse the application only by "multi-borrowing".

although these behaviors are not shown in the credit report, the third-party data platform has recorded these behaviors in the system, and it will be very difficult to apply for online loans in the future.

just check in: xiaoqi letter. Click "Query" and enter the information to query your own credit data, including your personal credit status, Internet black index score, blacklist, online loan application record, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimated amount and other important data information.

third, will overdue online loans affect credit reporting?

overdue online loans will have the following adverse effects.

1. from the day when the loan is overdue, the overdue penalty interest will be charged until all the arrears are paid off, and the penalty interest rate charged by some loan platforms may be higher than the normal loan interest rate. The longer the overdue time, the penalty interest will be incurred and the repayment burden will become heavier and heavier.

2. Overdue cases will be reported to the big data by the loan platform system, and some of them will be reported to the central bank for credit investigation, leaving a bad record, which will lead to personal credit damage.

3. The loan platform will send text messages and call for dunning. If the borrower can't be contacted, it will call his emergency contact, and some will call relatives and friends in the address book, and some will even call for dunning. If there is no response to repeated collections and the amount owed is relatively large, the loan platform may still.

4. Due to credit problems, it is inevitable that the subsequent handling of credit business will be hindered, and it is estimated that it will be difficult to successfully handle it in a short time.