Is there a credit report for blue-collar loans?

Now online lending has become more and more convenient and fast, but there are also many small partners who can't repay on time. There are also some small partners who, considering their own credit problems, will also find out before borrowing money, what will happen if it is overdue, whether they will go to the credit, and whether they will collect it at home. Let's look at the consequences of blue-collar loans overdue.

1. Does Alipay blue-collar loan receive credit information?

Judging from the current situation, it is not on credit. Official website, a blue-collar loan, didn't see the content about credit investigation. Blue-collar loan customer service said that if the repayment is overdue, personal information may be published in the product, and the record of dishonesty will be uploaded to the online credit file for reference by other financial institutions.

It can be seen that this online loan file is not the central bank's credit information system, but the credit list of the private lending industry. Blue-collar loans overdue will not affect personal credit.

Second, what impact will blue-collar loans overdue have?

1, liquidated damages and management fees. Once overdue, it will be collected on a daily basis from the next day. The daily penalty interest and overdue management fee are 65438+ 0% of each principal, which is relatively high. Generally, the penalty for overdue interest is five ten thousandths.

2. Telephone collection. For online loans, telephone is the only way to contact, so once blue-collar loans overdue fails to repay, the borrower will be bombarded by telephone and may be exposed by the address book, so it is correct to repay as soon as possible.

3, Alipay's negative record. Because Alipay cooperates with blue-collar loans, once overdue, it will be displayed in negative records, which will affect sesame credit. It is suggested to negotiate repayment directly with the blue-collar loan, and then appeal to Alipay to eliminate bad records.

To sum up, Alipay's blue-collar loan is not a credit report, but it does not mean that there is no need to repay, because it is a cooperation with Alipay. Once the credit is bad, it may affect other credit businesses of Alipay, such as spending money and borrowing money. Although the blue-collar loan will not be accepted at home, once it is overdue, normal life will definitely be affected.