After the loan from Lufax was overdue, I received a text message from Ping An Property & Casualty Insurance saying that it was repaid. Will I get a credit check?
Generally no, if the loan is overdue, the lender will collect it. If the debt and interest are settled during the collection period, it will not affect the credit report. A subpoena will be placed on the blacklist of the credit reporting system. Last year, I took out a loan of more than 40,000 yuan from Ping An Lufax, and I still have more than 30,000 yuan that I have not repaid. A few months overdue. Now that I'm being sued, what will happen if I don't respond?
Will be punished by law.
my country's "Criminal Law" stipulates that if a cardholder overdrafts beyond the prescribed period and still fails to return it after being called by the card-issuing bank, or uses a counterfeit credit card, etc., if the amount is relatively large, he or she may be fined for five years. or to fixed-term imprisonment or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.
If the amount is particularly huge or the circumstances are other particularly serious, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.
Ping An Lufax was established in September 2011. It is an Internet investment and financing platform under Ping An Group. Based on a sound risk management and control system, it provides professional and efficient services to institutions, enterprises and qualified investors. , safe comprehensive financial asset transaction related services and investment and financing consulting services.
Extended information
According to the provisions of the "Criminal Law", for malicious overdrafts of more than 5,000 yuan on credit cards, and the bank has not paid back after three months of collection, if the circumstances are serious, they may also be prosecuted for fraud. criminal responsibility.
If the loan is overdue for more than a certain period, the relevant records of the overdue user will be transmitted to the central bank's personal credit system. In addition to uploading overdue information to the central bank's personal credit reporting system, lending will continue to cooperate with third-party credit reporting agencies such as Qianhai Credit Reporting, Shanghai Credit Reporting, and Pengyuan Credit Reporting.
Actions that can be taken against persons subject to breach of trust:
1. Prohibit some high-consumption behaviors, including banning flying and sleeping in trains.
2. Implement other credit penalties, including restrictions on loans from financial institutions or credit cards.
3. If the person subject to breach of trust is a natural person, he shall not serve as the legal representative, director, supervisor, senior manager, etc. of the enterprise. Is Lufax reliable?
Lufax is reliable.
The full name of Lufax is Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., which is a member of Ping An Insurance (Group) Co., Ltd. of China. Lufax was registered and established in September 2011 with the support of the Shanghai government. It is headquartered in Lujiazui, Shanghai International Financial Center, Shanghai, with a registered capital of 837 million yuan. It not only has strong strength, but also has a sound risk management and control system.
From the platform background, Lufax was registered in Shanghai in September 2011 with the support of the Shanghai Municipal Government, with a registered capital of 837 million yuan. It is a member of Ping An Group of China. The absolute controlling shareholder of the exchange is Ping An Group of China, a Fortune 500 company, which has a strong background and strength.
From the perspective of the senior management team, Lufax team members are composed of professionals from global professional financial institutions, the legal industry, economic research and e-commerce, ensuring international professional standards. And with the backing of Ping An Group, it has accumulated decades of comprehensive financial industry experience, laying a solid foundation for Lufax’s business development.
In terms of fund security, Lufax adopts a multi-pronged fund management system:
1. Entrust third-party institutions to manage members’ funds.
2. Members can check Lufax account details every day, and account funds can only be transferred out to bank accounts bound to Lufax.
3. Lufax has formulated strict internal fund management processes and a complete system to conduct supervision and monitoring and reduce operational risks. Is there a credit check for Lu Financial loans?
Lu Financial is a special online area under the jurisdiction of Lufax. It is a credit check for Lu Financial loans.
Whether the credit information is listed on the loan software mainly depends on the lender. The lender of Lufax is Ping An Group of China, which is a formal financial institution. It is normal to access the credit information system of the central bank.
If the loan software is issued by you, it will not be listed in the credit report.
For example: The lenders of "XX" loan software are China's four major banks, then "XX" loan software will be listed on the credit report. If the lender of the loan software is not a bank, there is a certain chance that the loan software will not be listed in the credit report.
Insurance, securities, and banks are the three pillars of financial institutions. After the merger of the sponsor committee and the China Banking Regulatory Commission, the regulatory effect will be more obvious. Insurance companies can upload users’ overdue records to the central bank’s personal credit system.
When using loan software, users need to repay on time to avoid overdue payments. If users cannot repay the money within a short period of time, they can apply for installment loans. Some software will upload the user's overdue records to the personal credit system, and some software will share the user's overdue records to other online loan platforms.