Impossible, if you are overdue, it's all on the credit report. That's definitely impossible. Unless it is overdue and there is no credit report, it will be fine. But now all loans except some threatening small platforms, most of the information is universal. Don't trust others to lend it to you. It is possible to lend it to you, borrow 5000 yuan and pay it back in two months 15000.

Pay attention to overdue credit cards. As long as the loan is repaid in time, there are 13 situations that will leave a bad record in the eyes of the bank and affect the loan:

1. The credit card has been overdue for three consecutive times, totaling six times.

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas charges are not paid on time.

6. Personal credit card cashing.

Your loan is a formal loan platform. You and I will officially operate from 20 1 1. The depository of your loan is hengfeng bank, which is supervised by China Internet Finance Association. It is a formal and safe lending platform. Steady operation for more than 7 years, providing peer-to-peer lending services, with funds deposited in hengfeng bank. From the platform point of view, it is quite reliable. However, judging from the interest of your loan, if you are suspected of usury, you will be violently collected, although you can't make a credit report within the time limit. If you can't force ashore, you have to bear a high penalty interest. At present, there are many platforms on the market that borrow money. If the interest exceeds the warning line of usury stipulated by the state, don't touch it, otherwise it will bring you a lot of trouble and even bring trouble to your family and friends.