Do you want to buy credit in installments?

As a small loan APP, it is not linked to the central bank's credit information, but the above loan records will be recorded online. Now the state requires every lending institution to conduct credit investigation, which is a general trend. In the near future, this random installment payment will definitely be connected to the central bank's credit information.

Whether you can get credit information or not, you will enter the blacklist of online loans if it is overdue for too long. Borrowing online loans in the future will basically be rejected. For those lucky individuals, there are no loopholes to drill.

If the user is seriously overdue or maliciously fails to pay the arrears for a long time, it will have serious consequences, which are embodied in the following aspects:

First, the blacklist of the same industry at the meeting. If the loan is not repaid in time, the borrower's rating will be lowered, and even worse, it will be blacklisted by the whole credit company. Even if you want to borrow money from other platforms, other platforms will not lend you money for this. Now a lot of data will be used as a reference for the platform to lend money to borrowers.

Second, the overdue penalty is high. If the repayment is overdue, the borrower must pay a high fine or default interest. If the situation is serious, you will be prosecuted.

Third, it will affect personal life. If the borrower fails to repay the loan, the customer service staff of the platform will keep calling for collection, which will seriously affect the personal life of the borrower.