Users should pay attention to the interest charged by the platform when borrowing money. If the interest charged by the platform is too much, the repayment burden will increase in the later period, and it is easy to overdue repayment. It should be noted that 5 1 individual loans overdue repayment will generate penalty interest, and subsequent platforms will collect it.
In loans overdue, overdue records will be uploaded to the credit information center, and personal credit information will affect the handling of various loans, such as car loans or mortgages. After the overdue arrears are returned, they will remain in the credit information for 5 years, and will disappear automatically after 5 years, and will not be recorded all the time.
Users can compare the interest charged by different platforms when borrowing online, and then choose the platform with low interest charges to borrow. It should be noted that users must choose a formal platform when borrowing money to avoid borrowing from an informal platform. In fact, when the loan amount is small, you can borrow it directly from your friends and return it to them later.
Version information: Take version 5 1 personal credit 6.2.0, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.