Why does online lending still show overdue?

Why did you send a text message saying that the contract was overdue after you repaid the loan?

After the loan was repaid, I sent a text message saying that the contract was overdue. This may be because the system did not detect that everyone should take screenshots to keep evidence after repaying the loan.

First of all, about repayment.

After the loan on the online lending platform is repaid, you should contact the customer service and ask the customer service to show the loan repayment certificate. It is to avoid this situation, which will happen in many informal lending platforms. Once overdue, it will have a certain impact on personal credit information. Knowing that you have paid back the money will have an impact on your personal credit information, which is very embarrassing. Therefore, I also hope that after the repayment is clear, you must find the platform customer service to ask for the loan repayment certificate.

Second, what should I do if I am said to be overdue after paying off?

If after paying off, the customer service still calls to say that it is overdue, you can explain it to the customer service and let the customer service investigate, but like some informal online lending platforms, this is the way to make money. You can choose to call the police or prove it to the relevant institutions. Calling the police can solve the problem. After the alarm, the police will contact the relevant person in charge of the platform. After the relevant person in charge of the platform knows the details, he will also show the relevant loan settlement certificate.

Third, summarize.

Whether borrowing from banks or related online lending platforms, you must ask the other party to print such a loan settlement certificate for yourself after repayment. The loan settlement certificate is generally stamped by the company or bank. It has legal effect only after it is sealed. If it's not stamped, it's just that the other party wants to fool you. If it is not stamped, the other party may say that the borrower printed it at will on the Internet. It is recommended that you keep screenshots of repayment records of each period, especially when borrowing from some informal online lending platforms. If you keep the screenshot and find that there is something wrong with your personal credit, you can call the police immediately.

Why is overdue still the lowest?

1. The customer failed to pay the minimum repayment amount of the bill before 24: 00 pm on the due repayment date. You know, Bai Hua doesn't provide a grace period for repayment, so customers can repay on time only if the minimum repayment amount is not lower than the bill before 24: 00 pm on the due repayment date, otherwise it will be regarded as overdue.

2. The customer only repaid 10% of the total newly-increased consumption in this period, but the amount actually repaid did not reach the minimum repayment amount stipulated in the bill of this period. You should know that the minimum repayment amount of the bill includes not only 10% of the total consumption, but also the remaining unpaid part will be included in the minimum repayment amount of the current bill if the previous bill is the minimum repayment amount; And if the previous bill has been paid in installments, the minimum repayment amount of this bill will also include the installment part.

3. The customer paid back the money in advance before the bill date, but later added the consumption before the sunrise of the bill, so the minimum repayment amount payable after the bill came out naturally increased, not just the money paid by the customer before.

Extended data:

Credit cards usually have a grace period after the repayment date, usually three days. If repayment is made within the grace period, it will be regarded as timely repayment, and the credit card will not be overdue. However, if the credit card is overdue for more than 3 days, even if the minimum repayment amount is paid, it will be regarded as overdue once, because the overdue repayment, whether full repayment or minimum repayment, is regarded as overdue.

As long as the minimum repayment amount is paid on time and the credit card is not overdue, there will be no bad credit record. However, interest will be charged on a daily basis according to the part that has not been fully repaid, which is generally five ten thousandths of the interest rate, so it is recommended that the borrower pay it off in full.

1. 3-90 days overdue

During this period, the bank will usually send you a short message to remind you that it is time to repay. If it is overdue for too long, you will be charged a penalty interest.

One to two months overdue, the bank will call you with a special collection phone to urge you to pay back the money as soon as possible, and call you every few days, but the attitude at this time is still very mild, just reminding you;

In terms of credit investigation, if the arrears can be paid off within 1 month, the problem is not serious; If it is overdue for 2 months in a row, it will still be saved.

2. 90- 180 days overdue

During this period, the bank will send you a reminder letter and then call your relatives and friends (that is, the contacts left when applying for a credit card);

If your overdue amount is high, someone may go to your residence or work place to collect the money. This stage is usually entrusted by the bank to a third party.

Credit information:

If the credit card is overdue for more than 90 days, the bank will not approve the loan or credit card for five years. Because at this time, the credit information record is not very good. Simply put, it is what everyone thinks "credit information is hacked".

After the credit information is hacked, if debtors want to apply for credit cards and online loans, they will find that almost no platform will approve them. This is because when applying for a credit card or online loan, the institution will inquire about the debtor's credit information. And every inquiry will leave a record on the credit report.

After repeated inquiries from various institutional platforms, when other platforms in the back make further inquiries, they will find that they have been inquired many times before, and the lending platform will realize that there is something wrong with this person's funds and there is a high probability that the loan cannot be recovered. So there will be no loan or credit card approval.

The online loan has been repaid, and the credit report shows that it has not been settled? There are several situations.

; ? 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, so the success rate will be higher. However, 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 flow is that the lending institution reports the credit information first, and the credit center updates 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 user's new lending information. In this case, it is recommended to wait 2~3 days to check the credit information, and then you can see the 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 loan 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 relevant introduction of "the repayment credit of online loan shows that it is not settled", and I hope it will help everyone. It should be noted that if an online loan has overdue records and reports them to the credit information system, the repayment status of the loan will only be updated after settlement, and the overdue records will not disappear, and will be eliminated after 5 years from the date of repayment settlement.

Why do you still show arrears when all the money for the lawsuit has been paid back?

The money has been paid back, which may mean that it has not been paid off in full. You know, after borrowing money, there is interest. You may have paid off the debt, but the interest has not been paid off, so it still shows the debt.