After four days past due, a borrower may still be able to obtain a loan, but may face higher interest rates, additional fees, or other restrictions. It is recommended that users check credit big data to understand their credit status and the impact on loan applications.

Details:

1. Credit status assessment: Late repayment will have a negative impact on personal credit rating. Banks and financial institutions often use big credit data to assess borrowers’ credit risks. If a user's credit rating drops, it will affect the success rate of loan applications.

2. Interest rate adjustment: Even if the user can borrow the loan again, the bank may adjust the interest rate based on the overdue situation. Late payments indicate that the borrower is having trouble managing money, and banks may view this as an increase in risk and raise loan interest rates.

3. Additional fees and restrictions: Late repayment may result in additional late fees and penalty interest, increasing borrowing costs. In addition, banks may also set additional restrictions on borrowers, such as reducing the amount that can be borrowed or requiring a guarantor.

Summary:

After four days past due, a borrower may still be able to borrow, but may face higher interest rates, additional fees, or other restrictions. It is recommended that users query credit big data to understand their own credit status and the impact on loan applications in order to make more informed decisions.

Extended information:

Credit big data refers to collecting, sorting and analyzing a large amount of personal and corporate credit information, and using big data technology to evaluate and predict it. In the financial field, banks and financial institutions use big credit data to assess borrowers' credit risks and decide whether to approve loans and related terms based on the assessment results. Borrowers can understand their credit status by querying credit big data in order to better manage their finances and borrowing needs.