What should I do if BYD's car loan is credited?

BYD's car loan has been checked, so you should make sure that you are not overdue. If it is overdue, you must pay off the arrears and interest as soon as possible.

Personal advice:

If the car loan is overdue, it will have a great impact on your life. What you need to pay attention to is that it is impossible to repair the credit report immediately after it is overdue. For personal loan repayment, it is five years from the repayment date, and the credit information is automatically and completely restored. You must pay back in time in your life, fearing that whether it is a car loan or a credit card, there may be malicious overdue. If it is not maliciously overdue, you can also choose to contact the bank customer service in time and modify the credit information after applying for objection. If it is proved to be true, it will generally not have a serious impact on your life.

Extended data:

Credit maintenance method:

First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.

If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.