What about personal loans overdue?

The fast loan is overdue for three years. What should we do now? Can be remedied!

Fast loan is a personal consumption loan series of China Construction Bank, which can subdivide various products for users to apply for. Someone asked that the fast loan was overdue for three years. What should I do now? Let's talk about this problem briefly. I hope it helps after reading it.

The fast loan is overdue for three years. What should we do now?

No matter how long it is overdue, users need to pay off their debts first, especially three years overdue is a very serious overdue behavior, and then wait for the record on the personal credit report to be updated, and it will disappear after five years.

It should be noted that the cumulative penalty interest for three years overdue is very high. Users who are willing to repay can negotiate with China Construction Bank to show the willingness and difficulty of repayment, so that they have the opportunity to negotiate for relief, which can reduce the repayment pressure of users and get rid of debts faster.

Those who have been listed as untrustworthy executors shall be removed from the list of untrustworthy after payment.

I suggest that whether you apply for bank products or other platforms, you should maintain good repayment habits and not overdue. Otherwise, not only the report owed by the People's Bank of China to the West, including the credit report of the Bank of China, but also the accumulated overdue penalty interest and harassment of the platform will be affected.

The above is about "what should I do now if the fast loan is overdue for three years?" Generally speaking, users need to negotiate to settle debts and wait for the relevant records to be updated and disappeared. At the same time, it should be noted that when handling credit business at ordinary times, you should maintain good credit according to your repayment ability, and don't overdue it, so as to avoid some adverse consequences in the future.

Can I still apply for CCB's fast loan credit card when it is overdue?

Fast loan is a credit loan provided by CCB to high-quality customers, but it does not require the applicant to have a credit card. However, if the applicant has a credit card, it will be evaluated according to the applicant's personal credit situation and the use of the credit card to determine whether the applicant is qualified to apply for a quick loan.

If the applicant's credit card is overdue, he is not eligible for fast loan application. Even if the applicant's personal credit conditions are excellent, CCB will not let the applicant apply for quick loans. In this case, the applicant had better check the credit information to see which credit card is overdue and settle the overdue debt as soon as possible.

It should be noted that after the credit card is paid off overdue, the overdue credit record will not be eliminated immediately. To this end, it is best for applicants to suspend their application for quick loans and improve their credit for a period of time. The specific time depends on the degree of overdue. If it is a credit report that is overdue for six months twice, at least two years should be provided within two years.

In addition to overdue credit cards, if the number of credit card banks in the applicant's name reaches 10 or above, or there are no 10 banks, but the overdraft limit of more than 5 of them exceeds 80%, the fast loan application will also fail. Applicants must pay attention to these two situations.

Extended data:

CCB Express Loan:

Quick loan, referred to as "quick loan", refers to the internet financial services provided for online banking users' stock mortgage, financial assets and private banking customers. It can apply for approval online, support various forms of online or offline signing and consumption, and meet customers' rapid financing needs. Anyone who has deposits, wealth management products and national debt in CCB, is a CCB housing loan customer and has not paid off the loan, and is a CCB private bank customer can apply.

CCB's fast loan application process:

Log in to mobile banking → click the "Quick Loan" icon → click "Apply".

2. Enter the application amount → enter the SMS receiving verification code for confirmation → Success.

CCB's fast loan interest rate:

Because there are many products of CCB's fast loan, the application conditions and annual interest rate of each product are different.

According to relevant consultation, the annual interest rate of CCB's "fast e-loan" is 7.2%, the annual interest rate of "financing e-loan" is at least 6.72%, and the annual interest rate of "pledged loan" is at least 5.6%.

The interest calculation formula of CCB quick loan is: interest = loan amount 1 annual interest rate.

CCB repeatedly uses fast loans for credit reporting;

Repeated issuance of CCB fast loans will be recorded in the credit report. Because CCB itself is a state-owned commercial bank and is connected to the central bank's credit information system, as a loan product under CCB, the relevant loan repayment records will naturally be recorded in the customer's personal credit information report in detail.

When a customer applies for a quick loan from CCB, CCB needs to check the customer's credit status, so whether the final quick loan is approved or not, CCB's inquiry record in the name of "loan approval" will remain in the credit report of the customer who applied for a quick loan.

In addition, if the customer is overdue when repaying the fast loan, the overdue situation will also be reported to the central bank by CCB, leaving overdue bad credit records in the customer's personal credit report. Moreover, this record is generally kept for at least five years after the customer pays off the debt before it can be deleted by the system.

Of course, the fast loan itself can be recycled. After the customer settles the account, the amount is usually recovered in real time. Therefore, as long as customers make good use of it and repay it on time, the relevant loan repayment records will not have any adverse impact on credit information.

Is the fast loan overdue for credit reporting?

Fast loan is not credit, and the credit here refers to the credit of the central bank. In fact, in addition to the central bank's credit reporting, there are also some private credit reporting agencies, and Internet small loans also have some credit data such as blacklists. Just because you can't get a quick loan from the central bank doesn't mean that you won't upload your credit records to other credit reporting agencies. Because fast loans cannot be connected to the central bank, overdue fast loans may not affect your handling of credit cards and bank loans, but they may still affect your use of other online loans. Therefore, it is better to repay on time after applying for a quick loan.

Is the interest on fast loans high?

The interest rate of fast loans will vary with the qualifications of borrowers. Its comprehensive monthly interest rate is around 2.9% to 9.9%. If the borrower is well qualified, the monthly interest rate may be around 2.9%, and if the borrower is not well qualified, the monthly interest rate may be around 9.9%. However, the interest on fast loans is quite high, whether calculated at 2.9% or 9.9% per month.

So, if you want to borrow a quick loan, I suggest you apply for a short-term loan. If you need a long-term loan, don't borrow a quick loan. After all, the interest on fast loans is so high, and the pressure on long-term loans is quite great.

Is the fast loan network a formal loan platform?

Hello, is Express Loan a regular loan company? Kuaidai.com is a loan of Sichuan Kuaidai.com Financial Service Outsourcing Co., Ltd., and Kuaidai App is an online loan software, with a maximum loan of 654.38+10,000 yuan, flexible and diverse quota, ultra-fast automatic audit, 654.38+0 hours fast payment and no mortgage guarantee. It is reported that the interest rate is relatively high, and the fast loan is still a formal loan company. Compared with other loans, fast loans are the most reliable and directly received. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.

What should I do if the quick loan installment of CCB is overdue? The consequences of not paying back are very serious.

CCB's fast loan is a popular loan product with low threshold and relatively high quota. The most important thing is that it can be repaid in installments, which can reduce the repayment pressure. The quick loan installment only extends the repayment period and pays back the amount owed every month. If you don't return it, it will be overdue. Then, what should CCB do if the quick loan is overdue in installments?

The consequences of overdue installment of CCB's fast loan are more serious. First, the attending branch will be accepted, and may even be lost. Specifically, there will be the following four consequences:

1, affecting credit:

Fast loan is a product of CCB, and the handling office will be reflected in the credit report in the form of consumer credit. If there is no full amount of arrears after installment, the bank will report the applicant's overdue record to the central bank, which will leave bad credit on the credit report, and even if it is repaid, it will not be eliminated within 5 years.

2. Generate penalty interest:

If CCB fails to repay the loan on the last repayment date of the month after the quick loan installment, it will be overdue from the next day, and the overdue penalty interest will be calculated. In loans overdue, the penalty interest rate is 50% higher than the original loan interest rate, and the overdue penalty interest is accumulated into the bill amount next month, increasing the repayment burden.

3. Yes:

The overdue time of CCB's fast loan is short after installment, which will only affect credit at most and generate penalty interest. If it is overdue for more than 90 days, that is, there are three unpaid installments, then it is maliciously overdue, and the bank can take legal measures to recover the money. Those who refuse to repay the loan after the judgment may be included in the list of people who have lost their trust and may even be punished.

The above is the relevant introduction of "What should I do if the quick loan of CCB is overdue in installments". In short, after the quick loan of CCB is phased, it must be repaid on time every month, otherwise the above consequences will begin to appear after the deadline, which will seriously affect personal life and make it difficult to move in the credit cooperatives.