What is the impact of ICBC's e-loan overdue for several hours?

1. If the repayment is not made on time, it will be postponed within 3 days (if it is the final repayment period of the loan, the time limit will not be enjoyed), and there will be no overdue, no penalty interest and no credit report to the People's Bank of China; If the repayment cannot be made within the deferred deduction period, it will be counted as overdue from the date of loans overdue, plus penalty interest, and reported to the credit department of the People's Bank of China. Edit SMS to cancel. ICBC SMS reminder is mainly used for users to monitor the changes of account funds in real time. If users want to disable this function, they can edit the short message QXBD#, add the card number and send it to ICBC customer service phone to cancel. After canceling the work, the bank will have a text message prompt.

2. The overdue loan of ICBC Financial E will affect (1) personal credit information. If ICBC (E) borrows money, the relevant loan activities will be recorded in the personal credit report, which will adversely affect the lender's future consumption. (2) The loan amount will be affected. The credit line of overdue users will generally be affected, and the credit line of lenders may be deducted or reduced. (3) If it affects borrowing again, it will be difficult to borrow again after the deadline. If it is overdue, it will be considered as bad credit and it will be difficult to apply for another loan. (4) There will be overdue fees. For overdue users, ICBC e-loan will charge a certain penalty interest according to the overdue time of users. The longer the overdue time, the higher the cost.

China Industrial and Commercial Bank financial electronic loan conditions

1. Good credit investigation. When applying for an ICBC electronic loan, you need to check your personal credit investigation, so please always remember to maintain your credit record.

2. Personal financial assets, commonly known as moving bricks to get cards, may buy ICBC's wealth management, investment, insurance and other businesses even if there is no demand deposit in ICBC, which is also a very important reference.

3. ICBC credit card, if the card quality is good and the credit line is high, can greatly improve the success rate of credit card "credit", but it needs to be clear that holding ICBC credit card does not need to carry out e-loan, even if there is a credit card, the credit line is not enough to accommodate e-loan, because the credit line of ICBC credit card and e-loan is * * *, which is generally 80%. If the credit line is unqualified,

4. Professional units adopt the white list system. High-quality customers such as civil servants, institutions and large state-owned enterprises are more popular. If you belong to these institutions and high-quality enterprises, but not in the white list, you can bring relevant information to the local branch to submit, which is equally effective.