Credit information usually refers to the credit information center of the central bank. Generally speaking, credit card default and overdue loan will be blacklisted. Lending you a loan is also a credit report at the meeting. When the overdue record of the loan you borrowed on your loan is generated, it will be uploaded to the credit report system of the People's Bank of China by the platform. In addition, it will be uploaded to the online credit information database. If it is overdue, it will cause stains in your personal credit information, which will affect your handling of other financial business in the future. Therefore, I sincerely suggest that you repay the loan on time after you borrow it, so as not to have a bad influence on your credit and life.

What will happen if I lend you money for overdue repayment?

First of all, your bad record will be recorded in the company's credit information system after overdue.

Secondly, as far as I know, there is a complete set of ways and means to deal with overdue loans:

① They will collect the borrower, and they will use SMS, phone call and door-to-door collection to urge you to repay.

② If the borrower fails to repay the loan after repeated collection, the Lending Platform will file a lawsuit for arbitration through the court, and in serious cases, it will apply to the court for enforcement. It is reported that this year, the platform has successfully sued many users who have overdue loans on the platform, and there are many successful cases of prosecution.

③ From the day when you are overdue, the platform will charge you a certain amount of loans overdue fee according to the contract. The longer the overdue, the higher the overdue fee will be.

application process for lending you hi

application conditions: ① valid credit card; ②18-5 years old; ③ mobile phone number operator authentication; ④ JD.COM/Taobao account authentication

required materials: Chinese mainland residents' second-generation ID card

audit description: the application conditions for lending you hi are relatively simple, and most people can meet the requirements. The borrower only needs to log in to the loan platform, register or log in the account according to the system prompts, and complete the personal information filling, personal identity authentication and personal authentication data uploading as required. After completion, select the loan amount and loan time you want, and the loan amount should be within the loan amount. If your credit is good, it will generally be approved soon.