How long does it take for online loans to be overdue?

Due to the different regulations of each platform, the overdue situation of online loans is also different. Different days of overdue online loans have different impacts on personal credit information. In the credit investigation, those overdue by 1-30 days are marked as 1, 3 1-60 days as "2" and 6 1-90 days as "3".

The more days, the more serious. When personal credit information is marked as "3", it is basically blacklisted by banks for online loans, or it is called "Lao Lai". At this time, the circumstances are particularly serious, the use of basic credit cards will be restricted, and many businesses of banks will be difficult to handle.

Generally speaking, borrowers who are overdue for "three consecutive months and six times in total" will be regarded as problem customers by banks. If the customer is overdue frequently, and each overdue period does not exceed the grace period, the bank will upload it to the credit information system as appropriate, and then the bank will measure whether the customer is maliciously overdue according to its own evaluation criteria.

Extended data:

Consequences of overdue online loans: credit damage, being included in the "blacklist" system, affecting personal credit information; Penalty interest and liquidated damages, high interest and corresponding liquidated damages; After accepting the fancy solicitation of the platform for a long time, the platform is no longer convincing and begins to take practical actions; Such an incident of borrowing money and not paying it back belongs to a civil dispute. If the circumstances are serious, you will go to jail.

For seriously overdue online loans, once a record is left, it may be kept for 5 years. If the circumstances are particularly serious, the bad debts formed by the outstanding loans will remain in the credit report forever.

Besides, you may hit a wall everywhere. If it is overdue for more than 90 days, it is likely to cause a blacklist of credit information. If blacklisted, it will affect buying a house and a car in the future, as well as taking a plane ticket, flying and staying in a hotel.

Therefore, the serious overdue or running of online loans has a great impact on later life.

Baidu encyclopedia-online loan