1. Which online IOU platforms require overdue credit reporting?

Answers from the IOU manager

Because of difficult supervision and high degree of freedom, on P2P and other online platforms Lending services have always been deeply affected by overdue and malicious arrears.

For those old people who owe money maliciously, major online loan platforms immediately started sorting out the lists, and within the specified time, they have included the names, ID numbers, loan amounts and other basic information of the first batch of lists. Report to the Finance Office.

The picture below shows the currently determined platform for overdue credit reporting:

Provide the correct borrowing method and popularize relevant knowledge about "borrowing". For more popular science on debt-related issues, as well as free formal templates for IOUs and receipts, you can follow Tiao Guanjia~

2. What online credit reports are available now?

The following online loans will be subject to credit reporting:

1. Credit card repayment type online loans: Lakadai, Kakadai, Xiaoyingkadai, Huanbei, etc.

2. Products of commercial banks:

Ping An i-Loan (Ping An Bank), Yongqianbao (Rural Credit Cooperative), Mobile Loan (Rural Credit Cooperative), Resume Loan (Beijing Bank), Baiqian Finance (Harbin Bank), Suixindai (Bank of China), etc.

3. Products of first-tier Internet companies:

Online Shangdai, Jingdong Gold Bar, Weilidai, Jiebei, Duxiaomanyouqianhua, Suning Wanxuepay, NetEase Small Loans, etc.

3. Which online loans have credit reports?

Hello, as a formal platform, your loans are safe, reliable and trustworthy. Youqianhua is a credit brand under Du Xiaoman, which provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Du Xiaoman APP (click on the official amount measurement). Youqianhua consumer loans have daily interest rates as low as 0.02 and annualized interest rates as low as 7.2. They have the characteristics of easy application, low interest rates, fast disbursement, flexible borrowing and repayment, transparent interest fees, and strong security. Let me share with you the application conditions for money-to-spend consumer products: they are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to current students. If you are a current student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

This answer is provided by Youqianhua. Due to objective reasons such as timeliness of the content, if the answer content is inconsistent with the actual interest calculation method of Youqianhua products, please refer to the Duxiaoman APP-Youqianhua loan page Shown shall prevail. Hope this answer is helpful to you.

4. Which online loans do not pass the credit reference?

There are many who do not pass the credit reference, but on the contrary, their qualifications are also somewhat inferior. I advise you, brother, to think of other ways, and don’t lend if you can.

Online lending is a trap. I have fallen into it once, but fortunately I have finally come out of it