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What if the money is overdue?
After the money is overdue, even if you can't afford it, you should try to repay it, because after the money is overdue, the overdue record will remain in the credit report, which will lead to bad personal credit report.
First of all, the main impacts are as follows:
1. You need to pay liquidated damages to Baidu every day after you discover loans overdue. Generally speaking, the overdue penalty is much higher than the loan interest rate. For Baidu friends who have money to spend one day overdue, they need to pay a one-day penalty.
2. After Baidu's money is overdue, everyone is likely to face the consequences of the central bank's credit record leaving a stain. Once this happens, it will be very difficult for everyone to apply for car loans and online loans in the future. However, Baidu's friends who have money to spend one day overdue don't have to worry too much, and credit reporting will not happen easily.
3. After loans overdue, where Baidu has money to spend, everyone's comprehensive credit level will be reduced. Not only will borrowing money from Baidu be hindered in the future, but it may also be subject to many restrictions when using other Baidu products.
4. After Baidu's money is overdue, telephone and SMS collection is essential. At that time, the normal life of everyone and their families will be disrupted.
If the loan amount is high and overdue seriously, then you are likely to face the punishment of the court and become a "deadbeat".
Second, Qianhua is a credit service brand of Xiaoman Finance (formerly known as Baidu Finance, renamed in June 2065438+2008). Its original name is Baidu Qianhua, and its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model. Baidu artificial intelligence and big data risk control technology are used to provide users with convenient, fast and safe internet credit services, which have the characteristics of simple application, fast approval, high quota, fast lending and strong security.
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