If customers don't know which credit products are overdue under their names, they can directly log in to official website, the Credit Information Center of the People's Bank of China, and access the Internet personal credit information service platform to inquire about personal credit information reports.
Generally, credit products accessed to the central bank's credit information system will record the relevant loans and repayments in the customer's credit information report. If there is overdue behavior, it will naturally record the overdue bad information, so that customers can see at a glance, including when and how much overdue, and will record it in detail.
Of course, there are also many loan platforms that are not connected to the central bank's credit information system. The relevant lending and repayment records of such microfinance loans are submitted to big data, and customers can also download third-party data platforms to view big data.
In addition, customers can directly log in to the online banking/mobile banking or loan APP of each credit product handling bank, and check the repayment details on the personal account page to find out which one is overdue; Or according to the repayment reminder message sent by the other party.
Credit information maintenance method
First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.
If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.
Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record.
At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.
How to check the overdue status of your online loan?
At present, most online loans are connected to the credit information system of the People's Bank of China, on the one hand to meet the national regulatory requirements, and on the other hand to ensure that the loan funds can be recovered. Because of the constraints of credit records, the risk of overdue repayment is still much smaller, and of course there are still cases of overdue. So, how do you check the overdue status of your online loan? Let's explain it in detail below.
First, how to check the overdue status of your online loan?
1. Enter the Credit Information Center of the People's Bank of official website and China, find the personal credit information service platform, register and log in, click on the credit information service to apply for credit information, and then make inquiries according to the prompts on the page.
2. Through personal online banking inquiry, such as the four major commercial banks, you can find the credit report inquiry service on the loan page of personal online banking, check the consent authorization agreement, and wait for the bank inquiry results.
3. You can also bring your valid ID card to the local branch of the People's Bank of China and query and print it through the personal credit report self-service inquiry machine.
Personal credit information will be recorded in the inquired credit report, including overdue online loan information.
Second, the manifestations of overdue online loans
1, the short version of the credit report is a summary in one sentence.
For example, the credit card issued by an institution on June 5438+ 10 in 2022 has a credit line of 15000, which is not overdue at present, and is overdue for five years 1 month.
2. Detailed credit reports have specific overdue symbols.
Under an online loan account, in addition to recording the credit line and available line, the most important item is the repayment situation, such as when the repayment date is, how much the repayment amount is, whether it is overdue at present, how long it is overdue, and so on.
The symbol "1" means overdue 1-30 days, the symbol "2" means overdue 3 1-60 days, the symbol "3" means overdue 6 1-90 days, and so on. The highest symbol "7" means
The above is about "how to check the overdue situation of your online loan", I hope it can help you.
How to check the overdue records of personal banks and credit cards?
1, bring your valid personal identification to the credit information center of the local central bank for on-site inquiry;
2. Log in to official website, the central bank's credit information center, register and provide verification and authentication information to apply for inquiry (search: credit information center, just follow the steps).
3. Check ATM machines or websites of some banks. For example, U Shield of Bank of Beijing online banking can query personal credit report.
4. If you want to quickly check your credit card overdue records, you can go to the official account of WeChat to comment and get a credit card usage report, which covers your overdue records, credit card risk index, overseas credit card consumption, credit card merchant analysis, etc. You can analyze your credit card usage from all angles.