The fact that a card friend was in front of him was shocked! What is the situation? It is clear that he has been oversold for more than a dozen times, but when he tried to apply for a loan, he actually went down smoothly! Although the success of the loan application should be congratulated to the card friend, Xiao Bian still wants to remind him that it is still overdue!
So it seems that the legendary overdue loan can no longer be a swearing. At this time, Xiaobian must make a statement. Young, you are too naive. How can this kind of words be easily believed? In addition, there are still many misunderstandings about overdue on the rivers and lakes. Let's take a look at it with Xiaobian.
Misunderstanding 1: Repayment on the date of repayment, will not cause overdue
In theory, this view is not a problem. Active repayment, repayment on time, does not seem to lead to overdue behavior. But this is not the case.
For example, the credit card repayment date is on the 5th of each month. You can repay the operation on the 5th. It seems that there is no problem, but everyone has overlooked a problem, that is, the bank deduction time. If the bank debits after 16:00 on the repayment date, but you will deposit the money into the bound savings card at 12 o'clock on the evening of the 5th, it may cause the bank system to deduct the money. At this time, the bank will Automatically identify you as overdue.
Xiaobian will ask you, if you want to return it sooner or later, why should you drag it to the last second? Because this caused overdue, you lose money? !
Myth 2: One day after the deadline, it will be recorded in the central bank.
There are some birds in the forest. Some people are overstepped into habits. They are basically the typical representatives of "dead pigs are not afraid of boiling water." Some people are "birds of scared bows". They think that overdue one day will be like the central bank's credit, so the total Is to choose early repayment.
In fact, many platforms have “time-based services†for overdue. For example, credit cards may not be immediately credited within 1-3 days. Cardholders only need to explain the reasons with the bank and repay the loan as soon as possible.
The same platform for the loan platform, even if it is the platform for the credit information, after the borrower has overdue, it is not necessarily the first time to feedback the information to the central bank for credit information, and it should give the borrower a certain grace time.
Misunderstanding 3: Once again, you can no longer borrow money.
It has been overdue and has been credited to the central bank for credit. Many people think that in this case, they can no longer apply for loans, even if they apply, they will be rejected.
Xiaobian wants to tell the babies who hold this kind of thinking, don't worry, the overdue is heavy, and the loan road is not sealed.
For example, the legendary "three consecutive six", that is, three consecutive months of overdue, or a cumulative overdue of more than six times, is considered a serious overdue, such people are generally difficult to obtain loans, whether it is a bank loan or a letter of investigation Other loan platforms.
Of course, some platforms that do not check the credit information will be used as appropriate, even if the borrower is overdue, but the interest on such loans is generally not too low.
Therefore, if the students who have overdue one or two times have loan demand, they will mention it.
Misunderstanding 4: Bad record is automatically eliminated after 5 years
This is really a big misunderstanding. It is not that your bad record is only 5 years of "sun", it is all punishment. When the day comes, the bad will be eliminated automatically.
Keep in mind that this automatic elimination is conditional. That is, if there is an overdue period, the bad record will be kept in the personal credit for 5 years from the date of payment of the arrears, and will be automatically eliminated after 5 years. There is no meaning in the past due to overdue, and death for five years.
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