No matter which platform, as long as the repayment is overdue, it will bear high penalty interest and reputation risk, including Alipay flowers, borrowing flowers, bank loans, credit cards, interesting installments and so on. As long as it is overdue, it is basically impossible to buy goods. You need to pay a late fee of 1% for the total price balance in the interesting installment, which seriously affects your personal credit. These small loans will basically enter the central bank for credit investigation, which may have a negative impact on future mortgage loans and auto loans. Repayment within ten days after the deadline will not cause unnecessary expenses. It is recommended to repay on time and keep a good repayment record. The overdue days are 10 days, resulting in a late payment fee of RMB 30 yuan; On the 30th day of overdue days, an additional late payment fee of 80 yuan RMB will be generated on the basis of the already generated late payment fee; On the 60th day of overdue days, an additional fine of 65438 yuan +030 yuan will be generated on the basis of the original fine; On the 90th day of overdue days, an additional overdue fine of RMB 65,438+030 will be generated on the basis of the original overdue fine (failure to repay the overdue payment in full for more than 90 days is a serious breach of contract, which will directly lead to the early termination of the contract). If you have 2 or more loans, the overdue fee will be calculated separately. The overall amount of interest installment is not high, with a maximum of 6,543,800 yuan. Moreover, it is very troublesome to raise the amount, and it needs to be signed in person, and the handling fee is very high. It is suggested that you can directly apply for student campus credit card or consumer loan, with low interest, installment repayment, points and concessions.