Today, flowers are just a credit consumption product that we're exposed to in our lives. I'm sure most people already have flowers, but the problem is that sometimes people forget to pay back. So, what if it's a few days late? Let's look at the details。

A few days' delay in repayment would affect credit

The answer is, if you spend more than three days longer to pay back, it will have an impact on credit. The flowering platform actually set a three-day grace period for users. In other words, if the user is late in repayment but has completed the settlement of the arrears within the grace period of three days, then it will not be considered overdue. However, if the user has not yet completed the repayment within these three days, then the platform will include the user as overdue。

One of the major effects of the delay is that it leaves a mark on your personal report. As long as you are recorded as having a late record, it will be difficult to apply for loans in the future in banks or other financial institutions。

Turning now to the other question, would the user be able to apply for amortization if the flowers were only overdue

The answer to the payment of the treasure is that the user can negotiate the payment in instalments after the delay. As long as the user contacts the customer who pays the treasure and applies for the payment of the fee, you can submit the relevant documentation if you cannot pay in full and on time. There is, then, great potential for success. It is noteworthy that, in the absence of exceptional circumstances, the payment of the treasure would not normally agree to negotiate the instalment. However, it is better to spend the entire repayment process with a number of options available to users, such as deferred repayments, instalments or minimum repayments. These options make it possible for you to avoid spending too much time。