How to check if you have online loans?

You can check whether you have online loans in the following ways:

1. Bring my ID card to the outlet of China People's Bank, find the blind inquiry window of credit information, provide my ID card and fill in the application form when inquiring;

2. Urban public places or banks are equipped with personal credit self-service inquiry terminals, and users can carry ID cards to inquire;

3. Inquirers can log in to official website, Credit Information Center of China People's Bank, and find the column of Internet personal credit information service platform for viewing.

First, how to avoid being fraudulently used for online loans

1, don't easily register some online travel shirt empty station accounts: try not to disclose personal information, safely store your ID card and identity information, and don't lend it to others at will;

2. The purpose of providing a copy of the ID card to the outside world should be indicated: if only xxx business is valid, other things should be noted, and the labeling needs to be written in blue pen and signed within the scope of the ID card;

3. Regularly inquire about credit information: you can track personal credit status at any time to avoid unclear loan records on personal credit information;

4. Turn off the fast payment function and turn on the SMS reminder.

Second, what should I do if the online loan platform problem leads to overdue?

After the problem of online lending platform leads to overdue, it is best to pay off the overdue amount first to avoid the accumulation of overdue penalty interest and the increase of late payment fees. The longer the overdue period, the more penalty interest will be generated. Secondly, users can immediately contact the customer service of the platform and ask them to solve the problem, refund the paid penalty interest and resume the normal repayment time. In addition, for overdue records that have been submitted, users can ask online lending institutions to apply for cancellation. After all, this is not an overdue record caused by individuals, and it can generally be requested to be revised. Users can also directly apply to the credit bureau for credit inquiry. After the credit information agency finds out the situation, it will restore the normal credit information record for users. When the penalty interest for tax arrears is deducted due to intentional overdue caused by the network platform, users can collect evidence to report to the relevant platforms on the network or directly complain to the CBRC. At the same time, it is necessary to quickly disassociate from the bank card to prevent the platform from stealing bank card funds.