Not serious. There is almost no impact if Mengxiangjin is overdue for one day, and it will not be included in the list of defaulters, so it is not serious. However, the debt must be paid off as soon as possible, and the credit report must not be overdue for 3 consecutive months or more than 6 times in total in the past five years. If you have not paid back, , not only will the interest rate rise again, but it will also have an impact on your credit history. Mengxiangjin is a credit loan product launched by Mengshang Consumer Finance. It is mainly aimed at young customers with high growth potential. Its business covers shopping, tourism, travel and other consumption scenarios. It adopts differentiated pricing strategies and quota strategies, and is online and intelligent. operations.