I took a loan of 1500 in 7 days, and it didn't arrive until 1040. Today is the repayment date, and my address book has been exploded before this afternoon. Will it still have an impact?

Have an impact. 7-day loan is a typical 7 14 anti-aircraft gun. 7 14 anti-aircraft guns are illegal. If you collect money on the online loan platform, it may affect the second payment of Zhaolian. If you don't have credit information, you will be fine.

7 14 anti-aircraft guns are those high-interest online loans with a term of 7 days or 14 days, which contain high "beheading interest" and "overdue fee". Basically, 90% of 7 14 antiaircraft guns are mainly seven days. In terms of interest, the annualized interest rate basically exceeds 1500%.

Notice on Standardizing Private Lending to Maintain Economic and Financial Order: Strictly implement the Banking Supervision Law of the People's Republic of China, the Commercial Bank Law of People's Republic of China (PRC) and the Measures for Banning Illegal Financial Institutions and Illegal Financial Business Activities. Without the approval of the competent department according to law, no unit or individual may set up an institution engaged in or mainly engaged in lending business, and may not take lending as its daily business activities.

Beijing Mutual Gold Association said that there are still some institutions and individuals who are directly or indirectly engaged in the operation and promotion of cash loans and cash loan variants "super-profit loans" for profiteering; Violent collection reveals the borrower's private information at will, disrupting his normal life and work, causing disgust, seriously disrupting the normal business order of the Internet finance industry, reducing public trust and causing adverse social impact.

Extended data:

Credit report, with the continuous improvement of social credit system, credit report will be more widely used in various commercial credit sales, credit transactions and job hunting. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Baidu encyclopedia -7 14 anti-aircraft gun