1. If overdue, penalty interest must be generated first. The longer the overdue period, the higher the penalty interest. Even if it is profitable, it will eventually pay tens of thousands of interest;

2. It is possible that the credit is overdue for one day, which will affect the personal credit record, and the loan may be blocked in the future;

3. If it is overdue for a long time, it may explode the address book, which will not only disturb you, but also interfere with your family and friends;

4. Serious overdue cases may be prosecuted. If the court decides, in addition to the fine, it will be enforced, and those who refuse to implement it will be included in the list.

Extended data:

Xiaoying Card Loan is a microfinance service platform under Xiaoying Technology [1-2], a company listed on the New York Stock Exchange. Xiaoying Card Loan cooperates with banks and other financial institutions to help individuals, self-employed individuals and small and micro enterprises with loan needs solve the capital problem, open up the "last mile" of capital services to the real economy, and improve the service efficiency of inclusive finance.

On 20 16, 12, Xiaoying Card Loan APP was officially launched.

20 17, 1, and the smart version of Xiaoying Card Loan APP was launched.

On 20 19, 1 month, Xiaoying Card Loan Staging Mall was launched.

From 2065438 to June 2009, Xiaoying Technology won the "Outstanding Case Award for Financial Services of Private and Small and Medium-sized Enterprises" awarded by China Small and Medium-sized Enterprises Association and China Banking Association.

From June 5438 to February 2020, Xiaoying Technology won the "Annual Industry Development Contribution Award" of Nanfang Daily.

In September, 20021year, Xiaoying Technology won the award of "Excellent Case of Financial Services for SMEs in 20021year" issued by China Small and Medium Enterprises Association and China Banking Association.

In September, 2002 1 year, Xiaoying Technology won the title of "202 1 Outstanding Innovative Service Platform in inclusive finance" in 21Century Business Herald.

202 1, 1 1, Xiaoying Technology was rated as "202 1 Excellent Competitive Risk Control Finance" by China Business News.

202 1, 1 1, Xiaoying Technology won the award of "202 1 excellent customer service organization" in 21Century Business Herald.

Xiaoying Technology is a licensed financial technology company [9], focusing on Internet technology and services, focusing on the microfinance service platform in inclusive finance.

Xiaoying Technology was listed on the New York Stock Exchange in September 20 18, and obtained the national Internet microfinance license in May 200212002. He is a member of China Internet Finance Association [1 1] and Shenzhen Microfinance Industry Association.

Xiaoying Technology takes Internet technologies such as big data, cloud computing and artificial intelligence as its core, and inclusive finance service as its main track. Xiaoying Technology, together with various financial partners, is committed to becoming an "ideal helper" for individuals, self-employed individuals and small and micro business owners, a "technology enabler" for various financial institutions, and a "inclusive practitioner" with more depth and breadth.

Xiaoying credit card loan focuses on helping borrowers maintain their credit. As a user's credit charging treasure, it has the characteristics of high quota, low interest rate and flexible repayment period, which can effectively balance the repayment pressure of users. It owns many leading brands in the field of Internet finance, such as Xiaoyin Wealth Management, Xiaoyin Pratt & Whitney, Xiaoyin Card Loan, Xiaoyin Mortgage Loan and Xiaoyin Excellent Loan.