1. If the credit wallet is overdue for one month, then you will definitely go to the credit information system. Although the platform has not been connected to the central bank's credit information system, it has become an inevitable trend to connect to the credit information system of the People's Bank of China. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains.

2. Serious consequences include that the defendant goes to court, the loan is overdue for a long time, or it is deliberately not returned. After the amount exceeds 2,000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. If you lose the case, you will have to bear the litigation costs and huge fines of both parties.

For more information about what happens when a credit wallet expires, please visit: See More.