Jin Yan e-loan can't get credit information,

Bank card-related businesses will receive credit information, which can be inquired by the central bank. Whether it is a bank loan or an online loan, as long as there is no overdue repayment, there will be no bad credit record on the credit record.

I. The concept of personal credit

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users.

Second, the bank refused to lend.

1, currently overdue.

If a borrower applies for a loan from a bank and has recently acted in loans overdue, it will be more difficult to apply for a loan from a bank. Banks and other lending institutions hope that their loans can be recovered in time and be wary of overdue behavior.

2, even three tired six

For six consecutive days, that is, for three consecutive months, there is overdue behavior or the cumulative number of overdue repayments exceeds six times. If there is continuous overdue behavior in the credit record, even if the arrears have been paid off, it is difficult to apply for a loan through the bank, because the bank has already doubted your integrity.

3. Too much debt.

If the borrower's debt ratio exceeds 50%, the bank will think that its repayment ability is insufficient, and will refuse to lend money in order to recover the loan smoothly. However, it should be noted that different banks have different regulations on the ratio of income to liabilities, and borrowers need detailed consultation.

4. The applicant's spouse has bad credit.

If a married person applies for a loan from a bank, the bank will not only review the information of the applicant, but also the information of the applicant's spouse. If one party has a bad credit record, it is likely that the other party will fail to apply for a loan.

Third, the influence of loans overdue.

1. Encountered collection: there is no repayment extension for instant consumer finance. Once overdue, there will be a staff member calling or texting the borrower, which will affect the borrower's normal life.

2. Increase in loan cost: After the financial loans overdue, the borrower immediately charged a penalty interest at 1.3- 1.5 times of the original loan interest rate, which increased the loan cost and increased the repayment pressure.

3. Deterioration of credit report: Consumer finance loans need to be reported immediately. Once in loans overdue, it will leave a bad credit record on the credit investigation. If the overdue time exceeds 90 days, the borrower's credit information will be stained, which will have a great negative impact on the future application for credit products and will be directly refused loans.

4. Risk of being sued: If the borrower fails to repay the loan within the time limit and the repayment attitude is bad, and the overdue time exceeds 3 months, consumer finance can immediately sue the borrower to the court. After winning the case, the court will force the borrower to repay, and if it doesn't, it will become the person who has lost his trust.