Many people are now trying to use a loan product like borrowing, but they always have the doubt that using borrowing will affect my credit records. The answer is not fixed。

What if it's too late

It's just a small Internet lending platform. If you use it correctly and on time and repay it, it will not normally affect your credit. As long as you remain honest and incompetent and in breach of the law, the use of these letters will not have a negative impact. However, every borrowing and repayment is recorded in your credit list, which is a standard operation。

There are several possible operations that could be considered if you find a method of borrowing that you cannot repay and which is temporarily unpaid。

First, you can try to borrow money from your friends. This is usually the best way to repay, because borrowing is usually interest-free and reduces your repayment pressure. Then you can repay your friends through work, etc。

Secondly, if you can't borrow money from a friend, you can also choose to contact the loaner's customer service and negotiate repayment. Try to negotiate according to certain steps, and perhaps you will find the right solution。

In any event, if you wish to negotiate successfully, you need to provide documentary evidence that you are temporarily unable to pay, which may include such materials as hospital notice, notice of dismissal or unemployment certificate. It is important to stress during the consultations that your overdue period is not malicious and that you have the will to actively reimburse。