Zhongrong Trust overdue for several days.

Zhongrong Trust will conduct credit investigation when 1-3 days is overdue, and should repay in time before the repayment date to avoid the influence of credit investigation. Zhongrong International Trust Co., Ltd., formerly known as Harbin International Trust and Investment Company, was established in 1987 and engaged in trust business according to the projects approved by the financial license. Zhongrong Trust cooperates with state-owned banks, joint-stock commercial banks, city commercial banks and other banking institutions, and takes advantage of banks' advantages in business channels, investment scope and risk control to participate in credit asset transfer, securities secondary market investment, inter-bank bond market investment and other products to provide customers with low-risk and stable income.

First, the different effects of short overdue time.

Generally speaking, every 30 days in arrears is a grade, and the central bank's credit information center uses six grades to quantify the severity of overdue, and then it is reflected in the personal credit information report. For example, 1-30 days overdue mark1; 60-day overdue mark 2; 90-day overdue mark 3; And so on 180 days overdue mark 6. Once these figures appear in the personal credit report, it will not be so smooth for you to go to the bank for loans, mortgages and car loans. If you mark 3, you will be blacklisted by various financial institutions, and you will basically be rejected if you want to borrow money.

Second, report the impact of credit information.

According to the latest Regulations on the Administration of Credit Information Industry, if there is no bad record before, and you continue to use it and keep a good record during the period, the overdue credit information record of credit card will be eliminated after 2 years. If you have an overdue bad record, continue to use it and make a good record in the meantime. It will take 5 years for the overdue credit record of credit card to be eliminated.

Therefore, the loan should be repaid in time according to the prescribed time and consumed rationally. If it is not malicious overdue but the bank finds itself overdue, the user can contact the bank to explain the situation at this time. After the bank approves the user's original, it can apply for cancellation of credit information and appeal to the credit information center. As long as there are bank documents at the time of appeal, the appeal can generally be successful.