I won't go to the People's Bank for credit investigation for the time being, so if the repayment is overdue, I will only pay the handling fee and penalty interest, and I won't leave a bad credit record. However, if you want to handle financial business in the future, such as JD.COM IOUs, it will be more difficult, which will affect Xiaobai's credit score. Gold bars will also seriously affect credit reporting. Because gold bars punish loans overdue severely, they will report loans overdue's information to the system as soon as possible. If the gold bars are not returned, it will leave a big stain on the credit information of the People's Bank of China. The consequences of contaminated credit information are as follows:
(1) When you apply for a mortgage or car loan from a bank, you will fail to pass the loan review due to credit stain.
(2) People with tainted credit information may be rejected by the auction.
(3) The credit card limit will also be reduced.
Another consequence of not paying back is that consumption will be restricted and the right to use loan products such as white bars and gold bars will be lost. If you don't return it, you may be taken to court. Once listed in the list of untrustworthy people by the court, you will not be able to take high-speed trains, planes and buy private cars in your daily life. Most importantly, children will be restricted in education.
There is no grace period for the platform, except under certain circumstances. If the platform is overdue for one day, even if it breaches the contract, there will be penalty interest, credit investigation and freezing. After the gold bars are overdue, they will be collected by letters, short messages, emails, telephone reminders, letters, door-to-door visits and judicial channels. And you can only borrow again after repayment.
As for whether I can borrow it a few days after the deadline?
According to the user's personal qualifications and usage.
1. If the borrower is not an active user, it is likely that the line will be frozen after it is overdue and can only be restored after it is paid off.
2. From the feedback of users, gold bars will not be frozen immediately after one day overdue, and there is still a chance to lend them.
However, it should be noted that 99% of gold bars will receive credit information at the meeting. The biggest consequence of one day overdue is the credit record. Many people said that they had received the credit information one day overdue, and only a few users said that they had not. For the sake of prudence, I suggest that you repay on time, not later than 24 o'clock on the repayment date.
In fact, it is also influential. If Jingdong Finance is overdue for one day, the system will immediately report it to the central bank. Therefore, it is recommended that you do not have overdue behavior and try to repay before the repayment date, so as to ensure normal use in the future. If you can't repay it, don't borrow it at will.