Who sent the credit card loan text message?

Just mass sales information, there is no specific company platform, which means you need a loan.

If you receive a text message at the beginning of a credit card loan, I suggest you check it carefully first, don't trust the text message of unknown origin, and call the police when necessary. In addition, I remind you that if you don't pay back your credit card in installments, the impact will be more serious. If you don't pay back the money in the third installment, I suggest that you pay back the money on time in the future, otherwise you will be blacklisted by the bank, and in serious cases you will be sued by the bank.

I. Credit card loans

Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Within the available credit card limit, users can apply to the issuing bank for the credit card withdrawal limit, and then make installment payment. After the system is automatically approved, the funds will be transferred to the bank debit card in the customer's name, and the bank will charge the installment fee according to the agreed frequency and rate. Credit card loan repayment methods are divided into one-time repayment and installment repayment.

Second, loans overdue.

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term. If the following circumstances are overdue, they will be recorded in the personal credit report:

1. Repay one or two days later than the due date.

2. After the due repayment date, the customer paid off the debt after the bank staff urged the payment.

3. The customer has repaid the loan before the due repayment date, but it has not repaid the loan in full because it is not clear about the specific amount to be repaid.

2. What are the consequences of defaulting on bank loans?

If there is a penalty interest, 50% interest will be charged. Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty.

Have a bad credit record, which will affect the future loan and credit card processing. Once you leave, it may last for three to seven years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit. If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money.