Where can I borrow flowers? I will inform my relatives and friends a few days after the deadline.

Ctrip is overdue, and the overdue time is less than one month. The platform will charge the borrower by SMS; If the borrower still refuses to repay the loan after 1 month overdue, he will contact his family for collection. In addition to collection, the overdue repayment part will also be charged with corresponding penalty interest.

Borrowing flowers is the product of Ctrip Finance. It can access the credit investigation of the central bank. You must pay back on time, otherwise it will be used for credit investigation. As for the meeting credit overdue for several days, it depends on whether the platform has a grace period. Once overdue, the consequences will be very serious. As a consumer credit loan of Ctrip Finance, the credit will be checked when borrowing. The credit record on the credit report will show that in addition to the basic information such as the name of the lending institution, loan type and loan amount, it will also report the monthly repayment situation, which will lead to a bad credit record if it is overdue.

However, the loan has a three-day grace period, that is, if the debt can be paid off within three days after the repayment date, it will be regarded as normal repayment, that is, if it is overdue on the fourth day, it will be reported to the credit bureau.

What should I do if the borrowed flowers are overdue?

1, high penalty interest: once the borrowed flowers are overdue, the penalty interest will be calculated on a daily basis until it is paid off. The longer you owe them, the more penalty interest you will generate.

2. In the face of various collection methods: Many people report that they only received a short message that was overdue for one day, and then they got a phone call. Said he was coming to receive the goods or something.

It is difficult to borrow again: it is difficult to borrow flowers before they are returned, and even if they are returned, they may not be able to borrow them. Many people withdrew their loan lines because of loans overdue.

4. Affect the handling of other credit information services: In the credit information society, most credit information services are now based on credit information. Other credit businesses with overdue bad credit records are also difficult to handle.

Borrowing flowers is a personal consumer credit service product launched by Ctrip Finance in conjunction with major financial institutions. There is no service charge for loan repayment, no mortgage guarantee, and active repayment and automatic repayment are supported. Users need to pass the comprehensive evaluation of the system when applying for loans. Users need to repay the borrowed flowers on time. Timely repayment is a sign of good information behavior. If a user's loan is seriously overdue, he can report the overdue situation to the credit information institutions such as the Credit Information Center of the People's Bank of China, which will affect the user's use of the loan and the credit card service provided by the bank. Ctrip Finance, namely Shanghai Ctrip Financial Information Service Co., Ltd., was established on 2065438+20041October 9, and its headquarters is located in China-Shanghai Pilot Free Trade Zone. Shanghai Ctrip Financial Information Service Co., Ltd. is mainly engaged in investment management and computer technology development.