Under normal circumstances, if the overdue time exceeds 3 months, the bank will outsource the company's collection after two unsuccessful internal collections. If the collection is unsuccessful for more than half a year, the bank will decide whether to sue according to the amount owed by the cardholder. If the arrears are only a few tens or hundreds of dollars, generally no prosecution will be initiated. But if it exceeds 5000 yuan, it may be prosecuted.

Overdue car loans will also affect users' online black index scores, if the online black index scores are too low. The sub-scale of Cyberblack Index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it belongs to the blacklist of online loans. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

Just search: Lan Bing data. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.