After borrowing cash from Baidu, I received a SMS notification ~ What if I don't return it? Will it really go to the central bank's credit information system?

At present, Baidu has money to spend and cannot postpone repayment. Please pay back on time according to the bill. In case of overdue, a penalty of 150% of the overdue amount shall be charged daily, and a credit report shall be made in strict accordance with the requirements of the People's Bank of China. Due to the overdue payment caused by your own problems, the credit record cannot be revoked.

Users who are overdue for a long time cannot continue to borrow money, and they need to pay off all the debts before they can continue to try to borrow money. If it is overdue frequently, your quota may be reduced or cancelled. It is recommended that you repay on time, so as not to affect your personal credit. In addition, keeping a good loan record will help you pass the loan review smoothly and may get a higher amount.