연체기록 조회How to look up overdue records
How to increase your credit card limit
There is a way to use the ‘NICE Jikimi’ service to inquire your delinquent records. Nice Jikimi is a system that allows you to check your credit information without membership registration, and is a service operated by NICE Evaluation Information. No need to register as a member. If you authenticate yourself after agreeing to only the terms and conditions that must be confirmed, you can search for default information, short-term overdue history, and loan information. You can authenticate yourself with a mobile phone, credit card, or public certificate.
Nice Jikimi overdue record inquiry screen
After authentication, you can check long-term overdue information, short-term overdue details, public information, financial disorder information, etc., as shown in the screen below, and you can also inquire the details of the loan you are currently using and credit information inquiry history.
Go to Overdue Details
Overdue record inquiry result
✅ Read also about ‘what happens when you overdue your loan interest’!
Loan interest overdue – how to calculate delay compensation, how does it affect credit rating?
As interest rates have recently risen, more and more loan interest payments are being overdue. If you fail to repay the interest on your loan, you will have to pay an additional late payment. Calculate how much late payment will be
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If you look up the overdue record, it is divided into short-term overdue and long-term overdue. Distinguishing between short term and long term can be based on whether the overdue period has exceeded ‘3 months’. Here, 3 months is based on ‘business days’ in which the financial institution works.
In other words, if you repay within 3 months of starting the overdue, a short-term overdue record will remain, and if it is more than that, a long-term overdue record will remain. If you make a long-term overdue, you will be registered on the debt default list, and you will be disadvantaged in future financial transactions.
Regardless of the overdue period and the number of cases, if the amount of overdue is less than KRW 100,000, it is not classified as overdue and does not affect your credit rating. In case of overdue amounts of KRW 100,000, it is not shared with credit rating agencies and financial institutions, but overdue records As this remains, there may be disadvantages when making financial transactions, such as taking out a loan. For reference, even if one case of overdue of 100,000 won or more and 5 business days or more occurs, the credit score will not decrease. However, it is better not to overdue if possible because overdue records are shared with credit rating agencies and financial institutions.
How to get an emergency fund loan from Kakao Bank
Failure to pay your mobile phone bill on time will affect your credit rating. Usually, mobile phone bills are derived by adding the amount of communication service usage (voice call, video call, data communication) and the mobile phone terminal installment. Depending on the type of charge, the credit rating effect is different, and the details are as follows.
Since the cell phone bill is charged for the above two amounts together, unless you pay separately, delinquency will affect your credit rating.
