1. If my credit card expires, can I stay in the hotel?

Online loans are overdue and you can stay in hotels, as long as there is no blacklist of credit information.

How long will the online loan be overdue? We should comprehensively look at the following aspects:

1, loan platform, some online loans will be reported as soon as they are overdue, and some online loans will have a grace period and will be reported after the grace period.

2. Overdue amount: If the overdue loan amount is relatively small, some platforms will not upload overdue records, but if the overdue amount is relatively large, the speed of credit collection will be faster.

3. overdue time. The longer the overdue time, the higher the probability of credit investigation.

Second, what are the bad records in the credit report?

1, overdue record

Overdue records are mainly divided into two parts, one is the overdue records of bank loans or credit cards, and the other is the overdue records of online loans. No matter what kind of overdue records, it will affect the loan application

2. Too many inquiries by lending institutions.

There are two kinds of inquiry records of personal credit reports, one is self-examination records, and the other is inquiry records of lending institutions. Self-inspection records have no negative impact, but if personal credit reports are frequently inquired by lending institutions, it is also a bad record, which is likely to affect future loan applications.

3. Failing to pay the living expenses such as water, electricity and gas on time.

In addition to the loan records, the credit report will also record some payment records of living expenses. If the living expenses are not paid, there will be bad records in the credit report, which will affect the loan application in the future.

4. Punishment record

Punishment records are also bad records, including tax evasion, administrative detention, civil judgment records and so on. If these are recorded, it is easy to refuse the loan application.

3. Can the overdue credit report be eliminated?

Overdue credit reports can be eliminated. The overdue record of personal credit information cannot be eliminated by itself. However, according to the regulations, the retention period of personal bad information collected by credit reporting agencies shall not exceed 5 years. Generally speaking, the overdue personal credit records will be covered by new credit records after 5 years. This five-year period is calculated from the date when overdue debts are paid off, not from the date when overdue records are generated.

As long as it is not a serious overdue, it will generally not have a great impact on yourself, so naturally it will not affect your hotel stay, but it is hard to say that the overdue time is long. Therefore, in real life, it is best to find ways to avoid overdue behavior, which is indeed inevitable. You also need to take the initiative to contact each other and show your repayment attitude.