Xiaoying Card sent a message saying that it would close the repayment channel if it was not repaid.

You won't close the repayment channel, but let you repay in other ways.

1. Credit information will leave a stain. Credit card loans are collected at the meeting, and users' loan records and overdue records will be uploaded to the central bank for credit investigation. After the overdue records are uploaded, they cannot be eliminated within five years and will be kept all the time. During this period, whether applying for a loan or applying for a card will be rejected, which may also affect the job search.

2. Due to the platform collection, the small silver card loan will collect the arrears users. The early stage is a good reminder of repayment, and the later stage is a severe warning. I will not only charge you money, but also tell your contacts in your address book about your arrears, which will make you lose face.

3. There is a high penalty interest, and the small win card loan will also charge a penalty interest to users who don't pay back the arrears, and the interest will be calculated on a daily basis. If you owe 5,000 yuan, you will default on 25 yuan every day and default on 750 yuan for one month.

4. sued by the platform. If you are in arrears for a long time and ignore the platform collection, you may be sued by the platform. If the court still refuses to repay the loan after the judgment, it will be included in the Lao Lai list, restricting consumption and travel.