In the next issue, there is no access to the credit information system of China People's Bank, that is, there is no credit information. However, in order to apply for a loan in the future installment platform, the platform needs to check the applicant's sesame credit score. Only if the sesame credit score is above 600 points can you apply for a loan. If the user has overdue behavior, it will be recorded by Sesame Credit.

Consequences of overdue installment payment:

1, affecting the sesame credit score. In addition to the credit information at the meeting, because of the cooperation with Alipay, overdue installment will also affect your sesame credit score. When the sesame credit score decreases, it will also have a bad influence.

2. The processing of loans and cards is hindered. If the user fails to repay the installment payment, it is very likely to be blacklisted. At that time, not only can you not get a loan, but you will also be hindered in getting a card.

3. Pay overdue fees. If the user's future installment payment is overdue, he needs to pay various overdue fees, such as penalty interest and liquidated damages.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law, which provides a platform for professional credit investigation institutions to share credit information.