You need to call Suzhou Bank to check this clearly. Check to see if the loan is really overdue, or if someone is using your name to take out a loan. Things like this might have happened if supervision was not strict in the past. It's best to find out. If it doesn't work, call the police. It's easier for the police to investigate. This overdue payment will affect your credit report and have a great impact on your future life.
Extended information
1. How long does it take for a credit report to be filed overdue?
In fact, under normal circumstances, both online lending institutions and banks have a grace period. If you fail to pay within the grace period, there will be no penalty fees and it will not be uploaded to the credit reporting system. But if you still haven’t paid back the money after the grace period, it will most likely be uploaded to the personal credit system. However, different lending institutions and banks have different regulations on overdue loans. You can call the loan customer service phone number to find out.
1. ICBC will report your credit report as soon as you fail to repay your loan on time.
2. Banks such as China Agricultural Bank of China, China Construction Bank, China Communications Construction Bank, CITIC Bank and China Everbright Minsheng Bank can have some fault tolerance periods, usually three days, and some can be extended to six days. As long as it is within the bank's fault tolerance period, your credit report will not be affected, and you will also receive some phone calls and text message reminders.
3. Banks such as Shanghai Pudong Development Bank, Bank of China, China Guangfa, Huaxia and Ping An Bank understand cardholders very well. These banks will only report overdue credit reports if you fail to repay on the next statement date. However, if you are not overdue with the bank for a long time and have a good credit record before, you can negotiate for a certificate to admit that the debt is not malicious.
2. Consequences of overdue credit cards
1. Pay late fees for credit card overdue fees. When the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount, the cardholder must pay the agreed late payment fee to the card-issuing bank in accordance with the contract.
2. Overdue interest will be incurred. After users use a credit card to overdraft, they generally have an interest-free repayment period ranging from more than 20 days to more than 50 days. If this period is exceeded, corresponding overdue interest must be paid.
3. Affect personal credit. Overdue credit card repayment records will enter the central bank's credit reporting system to generate bad credit records. Bad credit reporting will not only affect future home loans and car loans, but also affect travel, employment, etc.
4. Bear criminal responsibility. If the crime of credit card fraud is constituted, the person will face a fixed-term imprisonment of not more than 5 years, not less than 5 years, not more than 10 years, not less than 10 years, or life imprisonment, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, and not less than 50,000 yuan but not more than 500,000 yuan, or confiscation. property.
3. Relevant legal responsibilities
According to legal provisions: "Malicious overdraft" means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession. Failure to return the goods more than three months after the first effective collection.
If the amount is between 50,000 yuan and less than 500,000 yuan, it shall be deemed as a “large amount”; if the amount is between 500,000 yuan and less than 5 million yuan, it shall be deemed as a “huge amount”; If the amount exceeds RMB 5 million, it shall be deemed as “extremely huge amount”.
In other words, if we owe more than 50,000 yuan on a credit card, and after two effective collections by the card-issuing bank, we still do not return it for more than three months, we will be held criminally responsible according to law.