Shulou(Shulou.com)05/31 Report--

Audio commentary

Hello, everyone. The meeting will answer your questions. Does Meituan's living expenses one day overdue affect credit investigation? did Meituan get credit information after one day of overdue loan repayment? many people don't know this yet. Now let's take a look at it!

Answer:

1. The loan has no grace period and basically receives the loan one day overdue. Meituan's living expenses are online loans, a financial loan product under Meituan, so it is a loan from a formal financial licensee. As long as the loan is overdue, they will go to credit immediately; unlike credit cards, credit cards can pay the minimum repayment, that is, not overdue. And the credit card has a grace period of three days, as long as it is not overdue by 6pm on the third day after the expiration.

2. Points for attention:

3. Due to the timeliness of credit update, it will not be immediately reflected in credit; as credit information cannot be updated in real time at present, it will only be updated once a month. At the same time, the financial platform can not meet the credit information of the central bank in real time. If every customer is overdue, it will be troublesome and a waste of time and energy to report to the credit center at once. Therefore, the platform will basically unify a time node and report all overdue customers to the credit information center in batches; the reporting time of most organizations is usually the next invoice day, while Meituan's living expenses will be uniformly reported before the next repayment date. Therefore, if your Meituan's living expenses are accidentally overdue, you can use this time node, that is, before you report to the credit information center, call Meituan's living expenses to show that you are not maliciously overdue. Overdue is caused by some non-subjective reasons. I hope the platform will give you a chance not to report to the credit information center of the central bank. It is precisely because of this time gap that there is an opportunity to make up for it, but because many people do not understand this mechanism, it is laissez-faire, resulting in overdue credit investigation. This has a great impact in the short term, and it is very difficult to approve and approve applications for credit cards and loans. However, the impact generally lasts only half a year, because most banks or financial institutions only refer to the inquiries about liabilities and overdue situations in the past six months. But housing loans are generally concerned about the past five years, so do not underestimate overdue. Here, I would like to remind friends that you must cherish your credit information, not just overdue. For this kind of online loan with credit information, we must not be careless, because as long as it is one day overdue, we will ask for credit.

This is the end of this article. I hope it will be helpful to all of you.

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