What will it be like to travel to loans overdue on the same journey? If it is serious, it may be prosecuted.

After the borrower loans overdue, Tongcheng Loan Association urged the borrower to take the initiative to repay the loan by telephone. If the overdue loan amount is huge, and the borrower does not answer the phone or evade the repayment obligation, he can sue through the Tongcheng Tourism Financial Information Service Platform. If the appeal of Tongcheng Tourism Financial Information Service Platform is successful, the borrower will be forced to repay by the people's court. If the borrower fails to repay after applying for compulsory execution, it will also be classified as a person with bad credit.

Tongcheng Loan is a credit product launched by Tongcheng Tourism Finance Information Company, a licensed institution. Every loan application record will be uploaded to the personal credit report. According to relevant requirements, borrowers in loans overdue who have been seriously loans overdue for more than 90 days will also be included in the credit blacklist. If the borrower fails to settle the overdue loan, it will not be successful to apply for other loans or credit cards. The above is what will happen when traveling in loans overdue on the same journey.

How long can personal credit information be repaired after online loan repayment?

After the online loan is settled, the borrower's online loan big data will be updated and upgraded, but it will not immediately cover the borrower's personal credit record, and it will take five years to clear it. Online loan records are generally updated once every few months, and the update frequency will be higher than the personal credit report. Overdue records will be kept within 5 years after the loan is settled, and will be cleared by the system after 5 years. If the online loan has been settled, the monthly personal credit record will be updated to show the settlement. The bad information record of personal online loan information content by enterprise credit reporting agencies will generally be completed from the borrower's borrowing behavior to the fifth year after the loan is settled. Therefore, borrowers should not take chances. Since you borrowed money and saved your life, you need to fulfill your personal responsibility and repay it on time, and there can be no overdue.

The bad influence of non-repayment of bank loans.

1. The bank will choose some payment methods. In the case of initial telephone notification, if the borrower does not repay the loan, he can explain his personal situation to the bank and try to apply for a buffer period;

2. On the standard of overdue fees, there will be some expenses such as contract liquidated damages and late fees, which need to be deducted according to the contract;

3. Impact on personal credit records;

4. There is a risk of litigation.

This article mainly writes about how Tongcheng's loan is overdue, and the content is for reference only.