Yi pays the arrears of 3,000. After it is overdue, it is okay if it is repaid after two months, but during these two months, the personal credit report has been affected, and may have been uploaded to The central bank's credit reporting system will have a great impact on future loan and credit card businesses, and during the past two months, collection agents will continue to collect debts by sending messages, making phone calls, etc.

1. Introduction to Yipay

Yipay is a brand of Tianyi E-Commerce Co., Ltd., covering entertainment, transportation, e-commerce shopping, livelihood payment, communication payment, etc. Convenient services for every life consumption scenario. Yi Pay currently supports e-commerce shopping platforms including JD.com, Tmall.com, Benlife, COFCO Womai.com, Vipshop, Xiaomi Mall and other platforms.

2. What will happen if the loan is overdue?

1. Once the loan is overdue, there will be a penalty interest, and an additional interest of 50 will be charged. Although the policies of each lending institution are different, the penalty The intensity of interest rates also varies according to the mechanisms of each lending institution. If your credit loan is overdue, the lending institution will call first to remind the borrower to repay and the interest rate will rise as a daily penalty interest. So if you repay the loan after a few months, the interest rate may already be very high.

2. A bad credit record will be generated and uploaded to the central bank’s credit report, which will affect future loans and credit cards. The day after the overdue date, the name will appear in the bank's internal system. The bank's president and risk control will see that after the overdue date, any bad records will be kept for 3 to 7 years. Yipay must also be connected to the bank's system. Risk control system. If the borrower wants to borrow from a bank in the future, he may not be able to apply for it due to bad credit. In serious cases, it may also affect future home loan, car loan, and loan processing.

3. They may be blacklisted and their children will no longer be able to attend key schools. Some old people who deliberately default on their debts will be blacklisted by the credit reporting system and will no longer be able to take flights, high-speed rails, star-rated accommodations, etc. What's more serious is that the children will not be able to attend key schools in the future. If one spouse has an overdue loan, the other spouse will not be able to take out a loan again.