What will happen if Pinduoduo uses it first and then pays for it?

Pinduoduo's first use and then non-payment will damage personal credit information, generate penalty interest, and reduce the number of WeChat payment branches. 1. Personal credit information is damaged: Pinduoduo will record it on personal credit information after overdue repayment, which will lead to stains on the borrower's credit information and damage to the credit. 2. Generate penalty interest: If there is no money in the bank card, a corresponding penalty interest will be generated. 3. Wechat payment score is reduced: the user's WeChat payment score will also be reduced.

1. What will happen if Pinduoduo uses it first and then pays for it?

1, personal credit is damaged.

First of all, it should be clear that Pinduoduo is also a small loan in essence, which is the same as the nature of flowers and loans. Moreover, Pinduoduo has access to the central bank's credit information system. If the borrower fails to pay after use, it is overdue.

After Pinduoduo's overdue repayment, it will be recorded in the personal credit report first, which will lead to the stain on the borrower's credit report and credit damage.

2. Generate penalty interest

Pinduoduo will also incur penalty interest if it is used first and then paid. If the user fails to repay the loan after using Pinduoduo, the system will automatically deduct the bank card amount bound by the borrower after 15 days.

If there is no money in the bank card, there will be corresponding penalty interest.

3. Wechat payment points are reduced.

Pinduoduo's pre-use payment is tied to the user's WeChat payment score. If the user uses Pinduoduo's payment after use, and it is delayed or even overdue, then the user's WeChat payment score will also be lowered.

When the score is below 500, users cannot use Pinduoduo to pay in advance, nor can they use other loan products of WeChat.

2. What are the rules of using first and paying later in Pinduoduo?

Pinduoduo pays first is a feature of Pinduoduo platform. You can place an order in 0 yuan and pay after receiving the goods.

Pay before you use, you need to have an account in Pinduoduo, and some users with payment scores above 600 in related WeChat accounts can open "Pay before you use".

If you need to enable payment before use, and your WeChat payment score exceeds 600, the "Pay before use" service opening portal will appear randomly after the payment of the purchased goods is completed, which requires authorization, so this function appears randomly.