Why is the online loan overdue?

The online loan has been repaid, and the user's credit information still shows arrears, which may be caused by the failure to update the credit information in time or the failure to receive the loan funds.

The online lending platform does not upload loan information in real time. Most online lending platforms choose to upload information once a month, and users will pay off their loans and will not update them in real time.

Or the online lending platform does upload information in real time, but the loan funds have not yet arrived. At this time, it cannot be considered that the user has paid off the loan.

After the online loan is paid off, the online loan platform uploads the repayment record to the credit report, and the latest record will be displayed in the credit report of T+ 1 day.

Therefore, even if the online lending platform uploads repayment information in real time, the credit report will not be updated until T+ 1 time, and the information will not be updated on the day of uploading.

Users can also query repayment records. As long as the repayment record in the online loan platform is shown as paid off, there will be abnormal display or delayed update on the page showing the explanation of arrears.

As long as it is confirmed that the arrears have been paid off, the page shows that there are still arrears, and the user does not need additional treatment.

After all, if the user loans overdue, the online lending platform will send a reminder message to remind the user.

Did not receive any collection SMS, indicating that the user's loan has been paid off.

Now is the era of credit, once the credit is defiled, many things will be difficult to move. As the source of big data, online lending will be classified as high credit risk once big data is in chaos, thus affecting credit reporting and living restrictions. People who don't know about credit information and big data can check their credit information data in Xiaoqi Credit Information, so as to know their credit information data, loan records and risks. I suggest you pay attention to protecting your big data credit record.

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What should I do if the applied online loan is already under review?

The online loan applied by users has been displayed in the review, so you can continue to wait patiently. If the longest review time has passed, the failure of the review result can also be regarded as the failure of the user's loan application.

Most online loans will be audited within 3-5 working days, and the audit results will not be issued after the timeout. Unless there are too many people applying for a loan, the loan application can basically be regarded as rejected.

The online loan applied by the user has not been audited. You can choose to contact the online loan platform actively, and then there will be manual customer service to help users check the online loan audit results.

If the online loan supports submitting the loan application again, the user can submit the loan application again when the last loan has not been approved, and there is a certain probability that the loan funds can be obtained by applying again this time.

When there are too many applicants on the online lending platform and the loan funds are insufficient, the audit results may be delayed.

But as long as the loan is unsuccessful, the user does not need to make any repayment operation.