Should I use this letter on credit?

CreditEase Company is more likely to receive credit information. Users will report their credit information after applying for a loan successfully. If it is overdue, it will be directly uploaded to the central bank for credit reporting and recorded in personal credit reporting, resulting in a credit stain. Compared with private loans, all kinds of products owned by CreditEase are guaranteed for property safety, and there will be no arbitrary charges and disclosure of personal privacy, but the requirements for personal qualifications and credit information are relatively high.

If overdue occurs, the impact is twofold. First, there will be liquidated damages and penalty interest. Second, personal credit will be affected. After borrowing money, the borrower must predict in advance, make good capital planning arrangements and avoid overdue, which is the most basic requirement for the borrower. If the borrower is overdue, the borrower must contact the staff as soon as possible to properly handle it.

If the repayment is delayed under special circumstances, you can explain to the staff of CreditEase that there is a grace period for repayment. If the repayment can be made within the grace period, it is not overdue. Of course, the borrower's malicious overdue will even affect family financing. After credit problems, family members who are also borrowers will also be affected in financing. It will also affect work. Companies pay more and more attention to personal credit information, which will also affect consumers' travel and application for credit cards.

The consequences of the credit report are:

1. The credit record of the last credit report may affect the handling of other financial businesses in the future, such as car loans, mortgage loans and credit card applications.

2. Credit records will have a certain impact on their work, and some jobs will refuse to recruit people with poor credit conditions.

3. Bad credit records will have an impact on life, and you can't fly, train or engage in other high-consumption activities normally.

The credit information of personal credit information is as follows:

1. Personal basic information that identifies an individual and reflects his family and occupation.

2. 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, the administrative organs, administrative affairs law enforcement agencies, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information.

5. Other information related to personal credit. The loan has been overdue, or the credit card has not been repaid according to the agreed time limit and repayment amount after overdraft, or there are too many loan accounts and credit cards.