When Doudou Qian is usually two to three days overdue, someone will contact you. At this time, you have to repay. If you do not pay it back, Doudouqian will report it to the Credit Bureau, so there is a certain grace period after Doudouqian is overdue. However, it is best not to overdue Doudou’s money, because you will need to pay overdue penalty interest and other fees after the due date, so it is better to pay back the money on time, and paying back the money on time can also give you a certain amount of money.

Consequences of overdue Doudouqian

1. Impact on personal credit information

According to the official response of Doudouqian, Doudouqian has been fully integrated into the credit information of the People's Bank of China System, so Doudouqian overdue is the credit information system of the meeting. Repayment records and overdue records will be recorded in the credit information report, which will cause great obstacles to a series of consumer activities such as future loans and credit card applications.

2. Call the contact person who made the appointment

According to Doudou’s friend’s response, after the due date, the contact person next to him received a call to collect Doudou’s money. People have had a relatively large negative impact. During the application process, Doudou will ask the lender to reserve the phone number of the relevant contact person, on the one hand to verify the user information, and on the other hand to ensure the safety of funds. If it is overdue, the contact person who made the reservation will be called to urge him to pay back the money.

3. Charge a certain late fee.

Many overdue users of Doudouqian responded that the overdue fees of Doudouqian are not low, which directly increases the repayment pressure and financial burden of the lender, and is an unnecessary expense.

The role of credit reporting

Credit reporting plays an important and fundamental role in promoting the development of the credit economy and the construction of the social credit system. The first is to prevent credit risks. Credit reporting reduces information asymmetry between transaction parties and avoids transaction risks caused by information asymmetry, thereby playing a role in risk judgment and disclosure; second, it expands credit transactions. Credit reporting solves the bottleneck problem that restricts credit transactions, promotes the realization of credit transactions, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and methods of credit transactions, and promotes the expansion of the scale of the credit economy; thirdly, Improve economic operation efficiency. Through professional credit information services, we can reduce the cost of information collection in transactions, shorten transaction time, expand transaction space, improve the operating efficiency of economic entities, and promote economic and social development. The fourth is to promote the construction of the social credit system. The credit information industry is an important part of the construction of social credit system. The development of the credit information industry will help curb the occurrence of bad credit behaviors, protect the interests of trustworthy people, maintain good economic and social order, and promote the continuous development and improvement of the social credit system.

(Operating instructions: OPPO A93 V11.1 Doudouqian 6.4.9)