With the widespread appearance of peer-to-peer lending, many people can borrow money easily, which provides convenience for some people to use money urgently. This reason also makes many people tend to use peer-to-peer lending, which is also the advantage of peer-to-peer lending. However, many people don't know much about online lending. They don't know how to choose a platform when they borrow for the first time, because the choice of the most important peer-to-peer lending platform and the credit report are also one of the indicators, and the main peer-to-peer lending platforms are looking for it.

Consequences of non-repayment: 1. After 15 days overdue, Xinfufu Loan will report the borrower's default to the credit information system of China People's Bank in accordance with relevant regulations. Once everyone's credit history has been tarnished, it will be difficult to buy a house and a car from a bank loan in the future, and many aspects of life will be greatly affected. Even if you borrow money, you have to pay much higher interest than others. 2. Credit-rich loans will not affect people's online credit reports. When friends with poor online credit information are in urgent need of money, it is difficult to find an online lending platform that is willing to lend money to themselves. In this case, it will inevitably delay your own use of money. 3. Sesame credit score is more and more widely used in our life. Once Sesame does not lower its credit score because of credit, we may not enjoy the online shopping discounts of Tmall and Taobao in the future, or we may not enjoy the deposit-free service of hotels and bicycles. Once Xinfu takes legal measures to bring the debtor to court, the debtor may be blacklisted by the court. Was once blacklisted. Everyone's normal life will be restricted, and children's education will also be affected. In addition to affecting everyone's personal credit, the letter-rich loan will also charge the debtor an overdue fee. Within 500 yuan, the daily late payment fee 1 yuan; The amount owed is 600- 1000 yuan, and the penalty interest is 2 yuan every day; Arrears 1 100- 1500 yuan, and arrears to 3 yuan every day; Arrears1600-2,000 yuan, which is owed to 4 yuan every day. When people want to repay in the future, the repayment amount will be amazing and may make you unaffordable.