1. Because Qian Bao has been connected to the central bank's credit information center, every loan made by the borrower in Qian Bao will be recorded in the central bank's credit information. If the borrower repays the loan on time, such a record is no problem; But if the borrower is overdue, such a credit record is a credit stain.

2. Once there is a credit stain, Qian Bao will be reported to the credit record of the central bank, which will affect the loan of the borrower and even the loan business of other banks. Therefore, in the event of overdue, repay as soon as possible, and then take the initiative to find Qianbao official customer service to explain the non-malicious overdue situation, so as not to be recorded in the credit report.

Extended data

Use the functions and features of Qian Bao:

1. Purpose: Qian Bao provides a high-value flexible loan of RMB 2,000-30,000, which is divided into three phases, six phases, nine phases and 12 phases. Users can independently define the loan amount and repayment period within the scope.

2. Applicable people: white-collar workers and working-class people who have a fixed income and advocate early consumption; The capital turnover of white-collar and blue-collar workers who have just entered the society before salary.

3. Features: high amount of 2000-30000 yuan, flexible loan, three, six, nine, 12; Users can independently define the loan amount and repayment period within the scope. It is really necessary to borrow as much as you need, borrow for a few days, and settle accounts every day without wasting a penny.

Baidu Encyclopedia-Using Qian Bao

Use the Qian Bao Help Center.