Hello! The repayment will be overdue seven days after the final repayment date, resulting in late fees and interest. We will truthfully upload your personal information to the credit information system of the People's Bank of China. You can check the credit report and verify the credit record. For reference: If you are a resident of Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi and Guangdong, you can log on to the personal credit service platform of the Credit Information Center of the People's Bank of China to check your personal credit records. For other provinces, please contact your local bank. A bad credit record will affect your personal loan business. If the application cannot be successful, floating interest rate, etc. Personal loan depends on many factors, such as repayment ability, bank risk control mechanism, borrower's age and local loan policy. Please contact the loan broker for advice on whether the approval is successful or not.