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230问答网 > 网上借钱逾期，会纳入征信黑名单吗

网上借钱逾期，会纳入征信黑名单吗

2025-03-15 22:31:38

推荐回答（2个）

回答1：

如果是借网贷公司，网上借钱逾期，如果不是恶意的，仅仅是偶尔的逾期，网贷公司不会纳入征信黑名单，如果是恶意的逾期，会被录入征信黑名单。如果是借银行的贷款或信用卡，一旦逾期会立即自动进入逾期记录，人民银行征信都可以查到。因此，无论是从哪里借款，都不要逾期，这是你的信用记录，要珍惜。

回答2：

如在招行贷款，逾期的影响:贷款逾期会记录征信系统，再申请贷款、信用卡均需审核信用情况，建议保持良好记录；
具体审核后是否会有影响，请与办理后续业务的经办机构确认。

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