Is it legal to stage Jiahui?

It is legal for Jiahui to go on stage. Jiahui staging is the website of Shanghai Jiahui E-Commerce Co., Ltd., headquartered in Shanghai, which is an online shopping mall providing staged shopping services for college students. The platform was launched on September 20 14 1 day. Phased products cover many fields, such as 3C digital products, tourism, education and training. And it is tailor-made for college students' consumption ability, spiritual needs, study and life. Jiahui staging provides an online staging platform for offline businesses.

Will affect your credit;

If bad records have been generated, such as overdue repayment of credit cards and failure to repay on time, it will take at least two years to get a bank loan. Personal credit report only records the repayment records of the past 24 months (including normal and overdue). As long as the normal repayment is maintained for 24 months, the overdue repayment record will naturally be blocked. Therefore, the correct way to deal with overdue repayment is: first, make up the overdue money as soon as possible; Secondly, avoid new overdue and new negative records.

1. The following behaviors will affect your credit:

1, credit card overdraft consumption is not repaid on time, resulting in overdue records;

2. The mortgage loan is not repaid on schedule, resulting in overdue records;

3. After the interest rates of mortgages, consumer loans and other loans are raised, the overdue interest due to "monthly payment" will still be paid according to the original amount.

4. When providing guarantee for the third party, the third party fails to repay the loan on time.

5. The mobile phone number is down, and the relevant formalities have not been handled. Due to the overdue monthly fee, it will also cause bad records.

6. Being fraudulently used by others to create credit card arrears records.

7. Failing to pay water and electricity charges or defaulting on late payment fees.

2. Individuals who want to know their own credit reports can inquire for free as long as they bring their valid identity documents to the local branches of the People's Bank of China.

China's new credit information system will keep credit records for five years. In other words, after paying off the debt, the borrower still needs to wait for five years before its overdue record disappears from the credit report.

If the borrower is overdue, it will bring the following consequences to himself:

1. Pay liquidated damages to the lending institution. Overdue repayment belongs to the borrower's breach of contract. According to the provisions of the loan contract, the borrower can charge the borrower the corresponding liquidated damages.

2. Pay penalty interest to the borrowing institution. After the borrower's overdue repayment, the borrowing institution often charges the borrower a high penalty interest. Since the default interest rate is higher than the loan interest rate, the borrower needs to pay extra loan costs.

3. It affects your personal credit. After overdue repayment, the borrower will report the borrower's overdue records to the credit information system, leaving a stain on the borrower's personal credit.

4. The borrower may be sued. If the borrower's overdue situation is serious, the borrower's institution can recover the arrears through legal means, bring a lawsuit against the borrower and demand the borrower to return the arrears. If the borrower loses the case, the cardholder not only needs to pay off the debt, but also needs to bear the litigation costs of both parties.