E, check the loan amount and check the credit information?

Does China Merchants Bank's e-lending affect credit reporting

It affects credit reporting.

first of all, as a product of the bank, there is no doubt that China Merchants Bank E-Loan is used to check the credit information. China Merchants Bank E will need your authorization to inquire about your credit report when applying for a loan.

every time you apply for an e-loan loan and your repayment, it will be recorded in the credit report, not to mention overdue, and there is nothing wrong with the credit report.

Impact of e-loan on credit reporting:

As for the impact of e-loan on credit reporting, I believe everyone knows the overdue credit stain, so I won't elaborate here. But in fact, even if it is not overdue, it will have an impact.

The time for China Merchants Bank E to apply for a loan is about one and a half months after you generate the loan, so it is possible that after you repay the loan, the credit report also shows that you have outstanding debts, which makes it impossible for you to apply for a credit card and apply for a car loan and mortgage during this period.

that is to say, it will take at least three months from the time you apply for E-loan from China Merchants Bank to the time you settle the debt on the credit report. If you plan to apply for mortgage and car loan, it is not recommended to apply for E-loan.

several misunderstandings about e-loan:

1. China Merchants Bank's e-loan will not affect the housing loan

As we all know, when applying for personal housing loan in a bank, credit record and repayment ability will be one of the important options for review. After applying for e-loan, the bank will see the application record of the loan when checking the credit information. Although the bank does not clearly stipulate that you will not be granted a loan with other consumer credit, it will affect the bank's judgment on your personal solvency and will give you a discount more or less.

if your e-loan application is several thousand yuan, the bank will think that your solvency is insufficient. After all, the monthly loan for buying a house is at least several thousand yuan, and this person even needs to borrow several thousand yuan. Then, how can he repay such a high mortgage? And if the e-loan amount is too high, it will have to pay thousands of dollars every month, and the bank will think that this person's monthly income is only a little bit, and he has to pay back the loan. The mortgage will be overdue sooner or later, or he will refuse the loan.

second, the overdue e-loan of China Merchants Bank will affect the housing loan

Many people may think that if they are not overdue, even if they borrow e-loan, repay it on time every month and have a good credit record, then their mortgage application will not be affected. Xiao Bian can only say that this idea is really naive. You should know that compared with personal credit records, banks are more concerned with your comprehensive ability, that is, whether you have enough repayment ability.

Let's go back to what I said above. If you apply for e-loan, you will be more or less suspicious of your ability. Of course, if you can provide enough financial proof materials, such as certificates of deposit, car production under your name, etc., the bank is likely to grant loans, otherwise, you will not dare to give you high loans. How does China Merchants Bank's e-loan credit report show? A brief introduction

e Zhaodai is a credit card consumer loan product of China Merchants Bank, which can be applied through WeChat WeChat official account or Pocket Life. As a bank's loan product, E-Loan is definitely a credit report at the meeting, and many borrowers don't know much about the display form of E-Loan in the credit report. Let's take a look. The display form of e-invitation loan in credit report is different from that of many bank consumer loans, and it will not be reflected in the credit report in the form of consumer loans alone. Many friends checked their credit report after they applied for e-loan, and found that there was no new loan recorded, but a credit card of China Merchants Bank was added under their names.

here's how e-loan application, loan and overdue are displayed in the credit report: 1. Application: Since e-loan is granted by China Merchants Bank, but it will not be used as a consumer loan, China Merchants Bank will check the credit after submitting the loan application, but the query record displayed in the credit report is "credit card approval" instead of "loan approval". 2. Loan: After e's loan application is successful, there will be an additional CMB credit card in the credit report, and the credit line and used line of e's loan will be reported every month, both of which are the lines applied for when borrowing. If you borrowed 2, yuan of E-Loan last month, the credit inquiry will show that China Merchants Bank has issued a credit card with a credit line of 2, yuan and a used credit line of 2, yuan. 3. Overdue: If the e-loan is overdue, the information summary on the credit report will record the number of accounts with overdue credit cards, the number of overdue times and so on. Then the overdue details in the credit card account, such as overdue time, overdue amount and so on. The above is the relevant introduction of "How to display the credit report of China Merchants Bank's e-loan", hoping to help everyone. I have checked the e-loan quota many times in my pocket life, but I didn't really apply for a loan. Will there be a query record in my credit record?

In this case, there will be no record in the personal report, unless the loan is successful or there is a loan record.

Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information issued by the Credit Information Center of the People's Bank of China, and is used to query the social credit of individuals or enterprises.

behaviors that easily lead to personal credit stain:

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as late payment of living expenses and guarantee may be included in personal credit report.

if I have defaulted on taxes, civil judgments, compulsory execution, administrative penalties or telecom arrears, I will show them in the report. This means that in the future, the arrears of water, electricity, gas or fixed telephone charges, as well as the guarantee provided to the third party, and the third party fails to repay the loan on time, will also be included in the bad credit record.

Extended information:

Personal credit information is mainly used for various consumer credit businesses of banks. With the continuous improvement of social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, recruitment and job hunting. In addition, the personal credit report also provides the inquirer with a way to examine and standardize his own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information:

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

2. Personal credit information formed by personal credit relationship with 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 records related to personal credit formed by administrative organs, executive bodies of administrative affairs and judicial organs in the process of exercising their functions and powers.

5. Other information related to personal credit. Accidentally click on the e-loan to see the quota, will it affect the credit investigation?

With the development of China's small loan market, many banks have introduced some personal consumption loan products for their customers. Among them, e-loan is a credit product created by China Merchants Bank for credit card holders. Accidentally click on the e-loan to see the quota, will it affect the credit investigation?

Accidentally click on the e-loan-seeking quota, will it affect the credit investigation? First of all, we must clearly know that 99% of the bank's consumer loan software cooperates with the central bank's credit information system. Whether the user borrows, repays or is overdue, the relevant credit information report will be sent to the credit information system for recording, and E-loan is no exception. As we all know, most loan software gives each user a different loan amount. The higher the user's credit level, the lower the income, and the lower the user's credit level, the lower the income. And how does the system judge the personal credit of users? Then you need the user's authorization to view the personal credit report. Therefore, the user accidentally clicks on e-loan and chooses to view his own credit limit. Then, before viewing the credit limit, e-loan will ask the user to agree to authorize the viewing of the credit report. Then, in the user's personal credit information, there will be a record of the loan institution actively inquiring about the credit information. Friends who have learned about credit reporting know that if an individual's credit reporting is hard-queried by a lending institution many times, it means that the user's credit reporting may be "spent". Usually, if a user's credit information is inquired more than 4 times, more than 5 times in two months, and 12 times in six months, then the user's credit information is spent. After the credit is spent, users will want to apply for other loans later, and the chances of being rejected will greatly increase. Therefore, I also suggest that if you don't need to borrow money, you'd better not click on the loan software to inquire about your loan amount at will. The above is the related content sharing of "accidentally clicking on the e-loan to see the quota", hoping to help everyone!