Currently, Baidu cannot defer repayment if you have money to spend. Please refer to the bill and repay on time. If it is overdue, a penalty interest of 150 yuan will be charged on the overdue amount every day, and the credit report will be reported in strict accordance with the requirements of the People's Bank of China. If the credit record is overdue due to your own problems and non-repayment, the credit report cannot be cancelled.

Users who are overdue for a long time cannot continue to borrow money and need to pay off all the IOUs before they can continue to try to borrow money. If overdue payments occur frequently, your credit limit may be reduced or cancelled. It is recommended that you repay your loan on time to avoid being overdue and affecting your personal credit. In addition, maintaining a good loan record will help you successfully pass the loan review in the future and possibly obtain a higher amount.