1. Credit record is damaged: overdue information will be recorded in the credit report, which will affect personal credit score and credit qualification.

2. Debts to be collected: Creditors can collect debts by legal means such as litigation and collection entrusted by the company.

3. Reduce the credit limit: Other financial institutions may reduce the credit limit of users or refuse to provide services such as loans.

4. Difficult loan application: Unpaid debt will be an important reason for the rejection of loan application.

5. Impact on future development: Bad credit will have a negative impact on personal career development, house purchase and lease.

Users are advised to query the data in Netdome, understand their credit status, check the pre-loan risks in time, and avoid the negative consequences caused by arrears.

Extended data:

Owning an online loan is not a breach of contract. According to Article 1 13 of the Contract Law, if the borrower fails to perform the payment obligation as agreed in the contract, it shall bear the corresponding liability for breach of contract. At the same time, according to the Basic Standard of Personal Credit Information issued by the People's Bank of China, overdue repayment records will be submitted to the personal credit information system, which has an important impact on personal credit evaluation. Therefore, it is very important to know and manage personal credit status in time.