Is it easy to get credit for winning a small game?

If it is only a few days overdue, contact the account manager to explain the situation and ask the account manager to give you an extension after the service fee is paid. The extension will not affect your credit on the platform.

However, if it is maliciously overdue, the bad records in the personal credit information system will always exist. Xiaoyin Easy Loan has been fully connected to the credit information system of the People's Bank of China. Both the loan and repayment will appear in your personal credit report. Please cherish your personal credit and repay on time. In addition, timely repayment helps to withdraw cash.

Extended data

Credit information

1. Credit reporting agency: refers to a legal entity established with approval in accordance with relevant regulations to collect personal credit information and provide personal credit information consultation and rating services to commercial banks and other users of personal credit information;

2. It refers to an enterprise as a legal person engaged in credit reporting business with the approval of the credit reporting supervision and management department. It is a third-party organization other than the two parties to the credit transaction, with a certain scale of credit information database.

3. In a narrow sense, a credit reporting agency refers to a profit-making information service professional institution specializing in the collection, processing, evaluation and dissemination of credit information. Generally speaking, it refers to an enterprise legal person that is approved by the credit supervision and management department and specializes in credit business activities.

4. Credit agencies are usually divided into three categories, namely, enterprise credit agencies, individual credit agencies and property credit agencies. The concept of credit reporting agency can also expand the types of enterprises in other credit management industries, such as credit rating, enterprise collection, credit management consulting and other institutions, and even produce different titles.

Credit information content

1, credit report

(1) is currently mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. ?

(2) In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a checking mechanism of personal credit information.

2. Credit information

(1) Personal basic information, which is used to identify individuals and reflect their families and occupations;

(two) personal credit information formed by the credit relationship between individuals and 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 record information related to personal credit formed by administrative organs, administrative affairs executing agencies and judicial organs in the process of exercising their functions and powers;

(5) Other information related to personal credit.

3. Influencing factors

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

4. Credit information system

(1) Personal credit information system, also known as consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services.

(2) Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach their target customers in the most effective and economical way, so it has extremely high market value, and the application of personal credit information system has also expanded to direct sales, retail and other fields.

(3) In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.

References:

Baidu Encyclopedia-Personal Credit Survey