Personal Credit Information: Micro-loan is a credit loan of Weizhong Bank. Once the small loan is not repaid, it will directly affect the applicant's personal credit information. If it is not returned for a long time, the overdue records will remain in the personal credit information system forever and cannot be eliminated.

2. Collection affects life: When the micro-loan is not paid back, the micro-loan staff will collect the borrower, call the borrower by phone, text message or even call friends around them, resulting in the applicant's inability to live a normal life.

3. Penalty interest: if the micro-loan fails to repay at maturity, penalty interest will be charged from the overdue date, and the number of overdue days will be counted from the next day of the repayment date until it is paid off. The longer the overdue period, the higher the penalty interest, thus increasing personal debt.