If the loan of Suning Bank is applied through online channels and does not need to be signed offline, then such loans are considered as online loans.
Second, the specific analysis
Online channel application requires offline signing, so this kind of loan is not an online loan.
Online loan to always online. After a user submits a loan application, the system handles both the review and the lending, so this feature can be used to distinguish online loans.
Of course, the online loan of Suning Bank will be collected, so even if it is an online loan, users must repay it on time.
If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
Third, there is no online loan. Why do you say I have a loan?
If it is clear that there is no online loan but you are prompted to borrow, it may be that personal information is leaked and stolen by others, and then the other party borrows in its own name.
This situation is not uncommon. After all, the application threshold of many loan platforms is very low, and payment can be made directly through the ID number or mobile phone number without review. In this way, it is naturally easy to "take advantage of the loopholes" and the other party does not repay. The loan platform naturally finds itself according to the information left by the other party.
Besides, it is also possible that I did borrow money, but I just forgot it.
If you don't remember the name of the lending institution, it may be that the platform applying for the loan does not lend money by itself, but lets the cooperative lending institution lend money.
And if there is a loan, you must repay it in time to avoid overdue.
We also need to pay attention to the possibility that some criminals deliberately cheat money in the name of lending institutions/platforms.
In this regard, everyone must be cautious and carefully check the loan situation to avoid being deceived and causing personal money losses.