One day's credit card loans overdue will also have adverse effects, such as charging three ten thousandths of interest every day, and in case of short message and phone call collection, personal credit information will show compensation. This will not only increase the repayment pressure of borrowers, but also cause bad credit information, which will affect subsequent borrowers' loans to buy houses, cars and credit cards. Xiaoying card loan was still collected at the meeting one day late, and Xiaoying card loan APP was connected to PBOC credit information system, so Xiaoying card loan was still collected at the meeting after it was overdue. In addition, there will be other adverse consequences after the deadline, specifically:

1, resulting in high overdue penalty interest. If the borrower of Xiaoying Card loan fails to repay in full and on time according to the repayment date agreed in the loan agreement, which leads to overdue, then the borrower needs to pay extra overdue penalty interest.

2. Have a bad credit record. Once the bad credit record is recorded, it will be kept for 3-7 years, which has a great influence on handling loans and credit cards in the future.

1, generate background

In order to meet the financial needs of the new generation in China, Xiaoying Technology, which has been committed to providing diversified financial services for the middle class, has launched its credit card balance compensation product-Xiaoying Card Loan, which is open to credit card people aged 20-55, focusing on young people under 35 and providing them with credit card consumption installment services. Subsequent small win card loans have gradually developed into a credit installment consumption service platform that provides comprehensive services for the new middle class, serving the young new middle class.

2. Software overview

Based on the user's portrait characteristics and consumer demand, Xiaoying Credit Card has specially created three unique business scenarios: Xiaoying Daily Life Consumption Staging+Xiaoying Credit Card Consumption Staging+Xiaoying Shopping Mall Consumption Staging, providing users with phased consumption services such as mobile phone digital, online celebrity beauty cosmetics, household appliances, luggage and leather goods, jewelry watches, creative industrial design products, virtual recharge services, online shopping and credit card staging.

Xiaoying Card Loan has formed a long-term and stable cooperative relationship with 100+ partners since it was launched in February 20/6. Xiaoying Card Loan activates private domain traffic through social fission such as MGM (User Recommended User), and carries out refined operation in the whole process of user life cycle.

3. Business philosophy

Xiaoying Card Loan adheres to the business philosophy of "Don't let everyone give up the right to pursue a happy life because of temporary embarrassment" and provides credit services to users with loan needs, which has great social benefits.

4 product characteristics

Xiaoying credit card loan provides installment service for medium and long-term credit card consumption. With a credit card application, users can quickly pay off their credit card bills or increase the credit card limit. Applicable amount: 2000-80000 yuan, loan term: 3 months, 6 months, 9 months, 65438 months, repayment method: equal repayment of principal and interest every month.

Small win easy loan medium and long-term micro-loan products, loans directly into the debit card. Applicable amount: 2000-80000 yuan, loan term: 3 months, 6 months, 9 months, 65438 months, repayment method: equal repayment of principal and interest every month.

Will Xiaoying Card loans overdue have a credit record one day?

Loans overdue, a small winner, will collect credit information at the meeting one day later. The small win card loan will be considered overdue if it is not repaid in full and on time in any period. The overdue behavior of Xiaoyingka loan will be recorded in the Credit Information Center of China People's Bank, and the credit information will affect your personal credit and your handling of various financial businesses. If it is overdue, HIA needs to collect the corresponding liquidated damages and freeze the overdue account until it is paid off. So remember to pay back on time.

1. The conditions for applying for a small win card loan are as follows:

1, the applicant needs to be between 22 and 55 years old, too young or too old to get a loan;

2. The applicant needs to have a credit card that is normally used in his own name and ensure a good repayment record;

3. The applicant needs to hold a personal identity card;

4. The applicant has a fixed residence, and issues a real estate license or a rental contract, as well as proof documents of daily water and electricity payment;

5. The applicant needs to issue a personal credit report and ensure a good credit record.

Two. Matters needing attention in applying for a small win card loan are as follows:

1, with a good credit record:

Because small win card loans need to check their credit records, it is best for borrowers to check their credit records in advance, and not to be rejected because of credit problems.

2. Age of the applicant:

There are restrictions on the age of applicants, generally 22-55 years old, who are too young or too old to apply for loans;

3. Holding a credit card:

Xiaoying credit card loan requires the borrower to have at least one credit card in normal use and ensure a good repayment record.

Third, the influence of loans overdue.

1. In case of default interest, 50% interest will be added.

Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty. Penalty interest varies from lending institution to lending institution. For example, Citibank will charge 50% interest on the basis of the original interest rate, and some small loan companies may charge more liquidated damages. This means that you borrowed an estimated 65,438+100000 yuan, but if you don't pay it back for more than three months, you may end up paying interest and late fees of 65,438+100000 yuan.

2. Bad credit records will be generated, which will affect future loan and credit card processing.

Every day after you are overdue, your name will appear in the internal system of the bank at the same time, and then the president and risk control will see it. After the deadline, the credit report will inevitably leave a bad record. Once you leave, it may last for three to seven years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit. If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money.

Is Xiaoying's credit card loan a day late?

A small win card loan will be overdue if it is paid one day late. At this time, Xiaoyingka Loan will upload an additional record of compensation from Zhongan Insurance Company to the credit report of China People's Bank. If it is settled later, the record will be automatically eliminated after 5 years. However, the record of insurance compensation will be kept in the insurance company, and the borrower must call himself to apply for cancellation. Therefore, the consequences of winning a card loan one day later are even more serious.

In addition, even if the loan has been settled later, the overdue record will still be kept for 5 years, which may have an adverse impact on future applications for online loans, mortgages and credit cards.