Why didn't you receive the news when the credit loan was paid off?

Credit loan is a common way of borrowing in life. When people need money badly, they will choose to borrow money. Whether it is a small loan or a bank, they can apply as long as there is no problem with credit information. If the credit loan is paid off and no information is received, it may be the delay of SMS. If the software shows that the repayment is successful.

Why didn't you receive the information of credit loan repayment? The user did not receive the information, probably because the lending institution would not send a text message to inform the user. After the user pays off the loan, as long as the page shows that the repayment is successful, the repayment details show that all the arrears have been paid off, and whether or not the SMS is received, it will not affect the repayment result of the user. Of course, some lending institutions will send repayment information to users.

After the user's credit loan is paid off, he can inquire about the personal credit report in the next month. As long as the credit report shows that the loan has been paid off, it can prove that the user has paid off the loan on time.

Can I get a loan from the bank alone when I get married? Sure, but it depends on what kind of loan you apply for.

Many bank loans involve assets, such as mortgages and car loans, because they are usually considered common property after marriage. Even if you apply in your own name, you will check your spouse's credit information. However, if you apply for a credit loan, it does not involve assets, and most of them will only check the borrower's own credit information.

However, it should be noted that no matter what kind of bank loan a married person borrows in his own name and repays it with common property after marriage, his spouse will bear the repayment responsibility even if he does not participate in the loan. It is good that the borrower is not overdue. Once overdue, both husband and wife may be collected and even jointly sued.

Isn't it bad to borrow money? As mentioned above, borrowing money is still a bad behavior, which will affect the borrower's credit information and personal liabilities, as follows:

1. Credit information: First of all, many lending platforms are currently connected to the credit information system. As long as the borrower applies for a credit report, a loan approval record will be left on the borrower's credit report, which will be recorded one by one after the loan is successful. Too many inquiry records and loan records will make the borrower's credit information useless. Besides, it hasn't been paid off. If the borrowed money exceeds one's repayment ability, once it is overdue, there will be bad records in personal credit investigation, which is not conducive to the borrower's handling of financial credit business in the future.

2. Liabilities: All borrowed money and unpaid money of the borrower will be included in the proportion of personal liabilities. However, the repayment ability of a single household is limited. The higher the debt ratio, the greater the repayment pressure of the borrower, and the corresponding overdue risk will increase sharply. If you can't borrow any more money, the capital chain will break and you can't repay it yourself, and the borrower will fall into a debt crisis sooner or later. If it is overdue for a long time, it can be as simple as being called by SMS, and may be sued or even included in the list of untrustworthy people, limiting all kinds of high consumption.