CreditEase has a high possibility of being listed on the credit report. After the user successfully applies for a loan, it will report to the credit report. If the repayment is overdue, it will be directly uploaded to the central bank's credit report and recorded in the personal credit report. Cause credit stain.

Compared with private loans, various products under CreditEase guarantee property safety and will not cause arbitrary charges or leakage of personal privacy. However, there are requirements for personal qualifications and credit reporting. relatively high.

If overdue occurs, the impact will be in two aspects. First, liquidated damages and penalty interest will occur. Second, personal credit will be affected.

After borrowing money, borrowers must make predictions in advance and make fund planning arrangements to avoid overdue payments. This is the most basic requirement for borrowers.

If the borrower is overdue, the borrower must contact the staff as soon as possible to handle it properly. If your repayment is delayed due to any special circumstances, you can explain to CreditEase staff that there is generally a repayment grace period when repaying the loan. If you can repay within the repayment grace period, it will not be regarded as overdue. deal with.

Of course, malicious overdue borrowers may even affect household financing. After problems arise in the credit report, family members who are the same borrowers will also be affected in terms of financing. It will also affect work. Companies are paying more and more attention to personal credit reports. It will also affect consumption, travel, credit card applications, etc.