Card loan is connected to the credit information system of China People's Bank. Once overdue, the overdue data will be directly reported to the People's Bank of China's credit information system, leaving a credit stain in the personal credit information report.

Credit card loans overdue means that there will be a bad record in credit investigation. The longer the overdue period, the more serious the bad record. If the overdue period is within 1 month, the impact will not be particularly great if you maintain good repayment behavior after the overdue period. Overdue for more than 3 months, the credit information will basically turn black, commonly known as "black households", and such users will be rejected when handling banking services such as bank loans and credit cards.

A good credit record is an intangible wealth, which can provide you with financial help when you need money. Once there is a problem with the credit record, it means that this intangible wealth has been squandered by you.

If the card loan is not repaid, not only will the credit record turn black, but also the risk of being++. Generally, within three months after loans overdue, the loan platform will often take the means of collection to urge borrowers. More than three months means that the arrears are difficult to get back, and the platform may hand over the loan to the legal department and file a lawsuit with the people.

How reliable is Kaka's loan?

Card loan is reliable. At present, platform users can apply for loans in the card loan APP and the official account of card loan WeChat.

Card Loan cooperates with a number of financial institutions to issue personal consumption loans and provide personal credit card repayment services, including China Foreign Economic Relations and Trade Trust Co., Ltd., Jincheng Bank and Shanghai Jing 'an Weixin++Co., Ltd., all of which are members of the group.

Weixin Financial Group, a subsidiary of Credit Card, is a technology and finance enterprise, which was established in 2006 with a registered capital of HK$ 654.38 billion. Weixin Jinke has many subsidiaries and business divisions in China, including++,financing guarantee, financial leasing and financial services. At present, the company has a wide range of business, covering more than 50 major cities across the country, and is committed to providing customers with comprehensive and high-quality financial services.

As an intelligent financial information service product launched by WeChat Jinke Group, card loan has gained good reputation and market success. Since the platform was launched in May, 20 15, the monthly number of customers and transaction volume of card loans have maintained a growth rate of more than 90%. On March 20 16, the monthly loan amount reached1800,000. At present, there are millions of service users all over the country, and financial services are truly within reach.

Is it safe to pay by credit card?

It's quite safe to pay with a credit card.

1. Card loan adopts eight risk control engines and hummingbird system independently developed by the company, and integrates many technologies such as OCR text recognition, face recognition, self-service authorization, trusted timestamp and electronic signature. Through the intelligent decision-making system, the automatic audit and lending process can be realized, which can effectively protect user information.

2. Users can submit application information online, obtain and verify personal data through self-service authorization, and conduct credit approval through credit card loan WeChat service number or credit card loan APP. After successfully obtaining the credit line, it can be used to repay the credit card.

3. After the borrower successfully applies for a loan, the third-party payment company will directly remit the loan to the customer's repayment credit card to directly complete the credit card repayment.

4. At the same time, the card loan will also provide customers with automatic repayment service for free. When applying for compensation, you only need to bind the repayment debit card and sign the authorization letter of third-party deduction, and the third-party payment company will complete the automatic deduction to ensure the safety of the borrower's funds.

How about the interest on credit card loans? Is it cost-effective to pay off credit card debts with credit card loans?

Card loan mainly provides convenience for credit card users to repay on their behalf, rather than winning customers by interest. However, compared with overdue credit cards, it is obviously very cost-effective to repay credit card debts with credit card loans. First, card loan can win++time and convenience for users. Second, after repayment with card loan, there is no need to pay high interest and late fees to the bank. More importantly, the repayment of credit card loans allows users to maintain a good personal credit record, which is much more important than interest.

Is credit card loan reliable and legal?

Wechat card loans are reliable and legal. Wechat Credit Card Loan is a mobile Internet loan service platform, which provides you with credit card balance compensation service.

1. Weixin Card Loan is the credit card repayment branch of Weixin Jinke, and Weixin Jinke is an Internet finance company listed in Hong Kong, so the strength of Weixin Card Loan is still very strong. Wechat card loan is a loan platform that you can apply for only with ID card, bank card and credit card. You don't need to provide too much private information or provide mortgage or guarantee to apply for a loan. At the same time, the borrowing cost of a platform also reflects the reliability of the platform. The monthly interest rate of WeChat card loan is not higher than 1.73%, which is within the++annualized interest rate of 24% stipulated by law. Judging from the feedback from old friends who borrowed money, the collection method of WeChat card loans for overdue people also complies with relevant regulations, and the fees are transparent.

2. Although you don't look at your personal credit information, if you don't pay off its arrears on time, the credit will be recorded on the personal credit information platform. After the deadline, bad records will be recorded in the company's credit information system. Only if you don't pay it back within the time limit will it go to the credit bureau. At the same time, the credit card loan of WeChat card can help users to repay on their behalf and avoid the influence of overdue repayment on credit information. So after borrowing its loan, they can choose to repay it in installments, and the interest is lower than that of credit cards.

Generally speaking, as long as it is a normal repayment, it will not be reported. If it is overdue, it will definitely be reported. So, if you don't want to report it, the best way is to repay it on time. Even if the loan is recorded as a credit report, it will be recorded as timely repayment, which will help maintain personal credit.

1. Card loan, as a pure online loan product under Weixin Financial Technology Group, has been online for a long time and is a regular licensed loan. You can apply with confidence. At present, the maximum amount of credit card loans can reach 200,000 yuan, and the service cycle can be divided into 6-24 periods. Friends who are aged between 20 and 50 and have more than 6 credit card bills can APPly for credit card loans through the authentication of ID card, bank card, mobile phone real name, basic information, credit information and other information in the card loan app. After submitting the materials, most of them don't call back, and they can go to the account as soon as possible after passing the examination. Friends in need can apply for a try.

2. As a formal loan, the credit will be collected at the meeting after the card loan is overdue. In addition, according to the different overdue time, the consequences are different. At the early stage of overdue, there will be a high penalty interest, which will increase the repayment pressure. With the increase of overdue time, credit card loans may package debts to third-party collection companies for relatively violent collection, which will not only affect their work and life, but also interfere with friends around them. If the overdue circumstances are serious, the card loan can also bring a civil lawsuit to++. However, compared with other online lending platforms, card lending provides a three-day tolerance period for everyone, during which paying off the arrears will not have much impact.

This is the end of the introduction on how to repay credit cards with credit cards and whether there is a loan to repay credit cards. I wonder if you found the information you need from it?