Can I not pay back the money I borrowed from Jin Xin? com？

You must repay the money you borrowed, or you will be responsible for the consequences.

When your loan is overdue, Jin Xin. Com will charge you by SMS or phone. If it doesn't work, it may be collected at home. If the lending institution connects with the People's Bank of China, it will affect your personal credit information, and of course it may also be recorded as big data credit information, which will affect your later loan or card application. If you still don't repay, the lending institution will sue you in the future. If you still don't repay after being urged by the court, you will be recorded in the list of untrustworthy people and may be sentenced to fixed-term imprisonment of up to three years. If you accidentally borrow usury, you can repay the part with an annual interest rate of less than 24% through appeal, and the part with an annual interest rate of more than 24% can not be repaid.