Ctrip's borrowing time is generally less than one month, and the platform will send SMS reminders and collections; If the borrower still refuses to repay the loan after 1 month overdue, he will contact his family for collection. In addition to collection, the amount of overdue repayment will also be charged the corresponding penalty interest. Borrowing flowers is the product of Ctrip Finance. Enter the credit investigation of the central bank. After borrowing money, you must repay it on time, otherwise it will be used for credit investigation. As for the credit information that will be overdue for a few days, it depends on whether the platform has a grace period. Once overdue, the consequences will be very serious. As a consumer credit loan of Ctrip Finance, borrowing flowers will check credit. The credit record on the credit report will show that in addition to the basic information such as the name of the lending institution, loan type and loan amount, the monthly repayment situation will also be reported, and a bad credit record will be generated after the deadline. However, the loan has a three-day grace period, that is, if the debt can be paid off within three days after the repayment date, it will be regarded as normal repayment, that is, if it is overdue on the fourth day, it will be reported to the credit bureau.

Borrow flowers

Borrowing flowers is a personal consumer credit service product launched by Ctrip Finance in conjunction with major financial institutions. There is no service charge for loan repayment, no mortgage guarantee, and active repayment and automatic repayment are supported. Users need to pass the comprehensive evaluation of the system when applying for loans. Users need to repay the loan on time when using it. Timely repayment is a sign of good credit behavior. If the user's loan is seriously overdue, it can report the overdue situation to the credit information institutions such as the Credit Information Center of the People's Bank of China, which will affect the user's use of the loan and the credit card service provided by the bank. Ctrip Finance, namely Shanghai Ctrip Financial Information Service Co., Ltd., was established on 2065438+20041October 9, and its headquarters is located in China-Shanghai Pilot Free Trade Zone. Shanghai Ctrip Financial Information Service Co., Ltd. is mainly engaged in investment management and computer technology development.