Hundreds of financial consumer loans: mobile phones, home appliances, furniture, computers, education, cash loans, etc. /kloc-people aged 0/8-55 can apply for installment business, provide ID card, bank card, company and landline number, and college students only need to provide student ID card.
In addition, the down payment of college students is 0, and the adult 10%, with low interest and flexible number of periods.
There are two aspects of non-repayment of Baiqian Finance: one is non-repayment by stages, and the other is non-repayment of cash loans. First, overdue financial installment in Baiqian will result in overdue fine.
It will also affect personal credit. On the tenth day after the deadline, the system will automatically generate the 30 yuan late payment fee in the early morning of the same day (24: 00 on the ninth day); On the thirtieth day overdue, the system will automatically generate the 80 yuan late payment fee again in the early morning of the same day (24: 00 on the 29th); It's sixty days overdue.
The system will automatically generate a late payment fee of 100 yuan in the early morning of the same day (24: 00 on the 59th day); If the payment is overdue on the ninetieth day, the system will automatically generate a late payment fee of 160 yuan at 24: 00 on the 89th day.
So far, China people's personal credit information can be queried through two channels:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;
2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours.
Open the official website login account of China People's Credit Information Center again, enter the inquiry code of SMS in the personal inquiry column to access personal credit information, and download and save a PDF document at the bottom of the page.
Extended data:
Serious consequences of overdue credit cards:
1, resulting in overdue interest and late fees;
2. Bad credit record;
3. Banks will collect money and may face criminal problems.
Credit card overdue solution:
1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;
2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;
3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;
4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time.
Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.
Baidu Encyclopedia-Personal Credit Survey
Baidu Encyclopedia-Baiqian installment purchase