What's wrong with the online loan repayment of the Postal Savings Bank? brief introduction

Why can't we use the bank loan credit line, which means that there are still loans outstanding from other banks?

Now, unlike before, if you have a loan in one bank, you can continue to borrow in another bank without being affected. Now the credit information and loan records are networked, and the bank's audit is becoming more and more strict. If there is an outstanding loan, the bank can see it and will not lend it.

What do you mean by the number of outstanding accounts displayed on the credit card?

"Unregistered accounts" refers to the number of cancelled credit card accounts (including active and inactive). "Number of unsettled accounts" refers to the number of accounts with unsettled housing loans and other loans. There are figures on it, indicating that a loan has not been repaid within the repayment period.

Consequences of overdue repayment of credit cards:

Consequence one:

After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.

Except for ICBC, the other 12 banks still carry out full penalty interest. Full penalty interest means that even if the customer repays the part, the repayment part is not deducted when calculating the penalty interest, and the interest expense is usually calculated at the daily interest rate of five ten thousandths. In addition, some banks stipulate that interest shall be calculated at five ten thousandths within 15 days from the bookkeeping date, ten thousandths after 15 days, and fifteen thousandths after 30 days or when the overdraft amount exceeds the specified limit. The longer the default time, the higher the penalty interest.

Consequence 2:

The violent collection of credit cards that caused legal disputes has become a hot topic. Many bank credit card centers outsource the collection of credit card repayment to some so-called "debt collection companies". These companies are mixed, and the debt collection methods are rough, which brings great trouble to customers.

Not only that, the defaulting customer may also face legal disputes. According to the provisions of the Criminal Law, a credit card with a malicious overdraft of more than 5,000 yuan will not be repaid after three months of collection by the bank. If the circumstances are serious, criminal responsibility may also be investigated for fraud. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.

Consequence 3:

Leave a "credit stain" in the national credit information system. In 2006, the central bank established a national unified enterprise and individual credit information basic database. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in this system. The "stain" in this report can't be ignored. It will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years. 20 12, 1 1, the new personal credit report of the central bank was launched, and the credit card and loans overdue situation before 2009 1 were no longer displayed, and the overdue records were retained for 5 years thereafter. This move means that the public's overdue negative record is no longer accompanied by a lifetime. If you can repay in full and on time within five years, your credit can be cleared.

How does Gitzo's settlement certificate show that it is not completed?

At present, there are many online loans to collect credit, which will have an impact on our buying a house and a car. It is best to settle the online loan first, and then the success rate will be higher. But many friends' online loans have not been settled. What is going on? Let's analyze it.

The online loan has been repaid, and the credit report shows that it has not been settled?

We know that the normal credit process is that the lending institution reports the credit first, and the credit center will update it. Therefore, there are three situations in which the credit information is not updated after the online loan is completed.

1. The online lending platform failed to report to the credit information system in time after the loan was repaid. Although the credit information system requires the loan platform to report the collected information in real time, the reporting time of each online loan is different, and some of them are not reported until the billing date. In this case, please contact the customer as soon as possible and ask them to report as soon as possible.

2. After the online loan platform was reported, the credit information center was not updated in time. Under normal circumstances, the credit information system will not be updated until T+ 1 after the lending institution reports the new lending information of users. In this case, it is recommended to wait 2~3 days to check the credit information, and you can see the latest credit information.

In either case, it is best to let the online loan platform issue a loan settlement certificate after the online loan is settled. If the credit information is not updated after the loan is settled, you can apply to the credit center for objection, provide the loan settlement certificate, and request to modify the credit information. After receiving the application, the Credit Information Center will give feedback to the online lending platform for investigation and verification. After confirmation, the credit information will be modified within 20 days, and then the credit information can be updated.

The above is the introduction of "the online loan has been repaid, and the credit report shows that it has not been settled". I hope it will help everyone. It should be noted that if an online loan has overdue records and is reported to the credit information system, only the repayment status of the loan will be updated after settlement, and the overdue records will not disappear, and will be eliminated after 5 years from the date of repayment settlement.

Warm reminder: Please carefully check the information in the content, raise awareness of prevention, beware of traps such as telecom fraud and usury, and avoid being deceived.

bale

Everyone is watching.

The secret of how Japanese actors don't film for a long time has been exposed by experts for the first time!

2.53 million reading

↓ Pull down, the following article is more exciting ↓

Latest channel

List of bank wealth management products this week (10, 14)

financial management

165438+1October 14 List of high-yield bank wealth management products on sale.

financial management

165438+1List of wealth management products of high-yield banks on sale on October 9.

financial management

How was the case of Minsheng Bank's fake wealth management of 3 billion finally handled?

financial management

After the new year, I have some extra money in my hand. How to manage money is better?

financial management

20 18 How to allocate wealth management to maximize income when there is100000 deposit?

financial management

More than 1000 listed companies bought 1. 1 trillion. Why are they keen on financial management?

financial management

65438 10 2 List of high-yield bank wealth management products on sale.

financial management

Attention! Your wealth management products may face "tax payment" and the asset management circle is crazy.

financial management

Today's ranking of bank wealth management products (65438+February)

financial management

The latest station

What's the itch outside the genitals?

woman

What are the symptoms of cold uterus?

woman

I have paid off all the money. Why does my credit report show no settlement? It's almost two months?

If you have been in loans overdue for a long time, even if you pay off, your credit information will still be displayed on it, which proves that you will not repay on time and others will not lend it to you.