The credit report shows that there is a loan amount.

There is a loan record on my credit report for no reason. What should I do?

Generally speaking, there are two possibilities;

1. The data entered by the bank may be wrong.

Or if someone uses your information to apply for a loan, you should contact the loan bank and let them find out. If necessary, you can complain to the CBRC or call the police.

Extension: loan approval:

1 loan approval: the appearance of loan approval means applying for a loan from a bank. For example, when applying for a housing loan, the bank will check the lender's credit report first, so that the loan approval will be displayed on it. There will also be other words such as applying for credit loans and mortgage loans. Credit card approval: as the name implies, it is to apply for a credit card from the bank.

In fact, it doesn't matter if there is a query record in the name of "loan approval" on the credit report. Although it is a "hard" inquiry record, as long as there are not many such inquiry records, it will not bring adverse effects to credit information.

However, if there are a lot of inquiry records in the name of "loan approval", the credit investigation will become very "flowery" and will have a certain impact on the subsequent credit business.

In this regard, customers are advised not to apply for credit cards and loans for a period of time. After a few months, the situation of "spending money" on credit information can be improved.

Generally speaking, it is best not to query more than three times a month. If there are too many inquiries in a short time, it is easy to give people the impression of "lack of money". Because people who are short of money generally have a higher risk of default, loan managers are more inclined to make a decision to lend cautiously. In addition to the "hard inquiry" in loan and credit card applications, there are also personal inquiries. Usually, personal inquiries have no negative effects, but there are only two free inquiries a year. There will be a charge for more than two times. It is recommended to inquire on demand.

It is normal to have loan approval in the credit report, because you have to approve credit cards and apply for loans. If there is no overdue repayment or other bad record in your credit report, as long as the income and repayment source meet the loan conditions when applying for a mortgage, the bank will only consider the applicant's total debt and whether it can repay on time, and nothing else is important.

Why is there an online loan record on my credit report?

This situation is probably because the loan credit card is overdue.

1. In this case, you can only go to the bank for loans, because the interest of bank loans is much lower than that of online loans;

2. If your credit is good enough, you can also take one or several credit cards with you, and you can lend them at any time as long as there is a limit;

3, so don't use online loans to support online loans, which will get deeper and deeper.

How many days is the credit card overdue at the meeting:

Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special provisions on the grace period for repayment, as follows:

1, Bank of China:

The grace period for repayment of the Platinum Credit Card of China Bank is 9 days, and the grace period for repayment of other credit cards of China Bank is 3 days.

2. Postal Bank:

The grace period for repayment by the Postal Savings Bank is 4 days.

3. Guangfa Bank and Citibank:

Both Guangfa Bank and Citibank need to apply for a special grace period for repayment, usually around 3 days.

4. Agricultural Bank:

The grace period for repayment by Agricultural Bank is 2 days.

5. ICBC:

ICBC's Star Card and Struggle Card can have a grace period of three days, while ICBC's other credit cards have no grace period.

What are the consequences of overdue credit cards?

If the overdue period reaches a very serious state, it will constitute a malicious overdraft and will be convicted of a credit card crime. Sentencing standards will be implemented according to the amount of our malicious overdraft, including less than 5 years, less than 5 years of dissatisfaction with 10 year, or more than 10 year, and a fine of 20,000 yuan to 200,000 yuan, 50,000 yuan to 500,000 yuan or confiscation of property.

If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if it is overdue three times in two years, then our provident fund loan will be beyond our reach.

Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.

If the overdue period is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have a bad record of credit investigation. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by 10% because of your credit problems.

Obviously, the cost of buying a house will increase greatly. If we are overdue many times and seriously, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering the plan to buy a house in the future, it must not be overdue.

What happened to the loan that I didn't know in the credit report?

Generally, borrowers with capital needs will go to the bank to apply for mortgage, car loan or consumer loan, and they all need to provide personal credit report to the bank for review. Often some users will find some uninformed loans in their credit information. What's going on here?

1, small lending institutions

First of all, the lender should confirm whether he has ever applied for a loan on the small loan platform. There are many different lending institutions behind these small loan platforms, such as Ant Financial and Bank of Nanjing. If a user applies for multiple loans by borrowing, there may be loan records of multiple investors on the credit information.

Many users don't know this relationship, so they will misunderstand that this loan was not applied for by themselves. But in fact, the loan product is indeed applied by the user, but the user does not know which financial institution borrowed the money.

2. Information leakage

Another reason is that the user's personal information is leaked and others use the user's personal information to apply for a loan. In this case, the user must take alarm treatment at the first time.

Both the police and the bank will find out who the real borrower of this loan is. As long as the check is correct, the bank will delete the user's bad records and will not affect the user's future credit business. Users can collect evidence first, then file a lawsuit against the bank in the name of "bank inaction and infringement", and then relevant institutions will intervene.