"If I have a loan overdue, will the micro-credit account be frozen?" This is a common problem. The answer is no, and there's no direct relationship between the late loan and the use of your micro-credit. It should be noted, however, that this does not mean that the delay has no other effect。

First, with regard to the problem posed by the lateness of the particle loan, the problem may not be significant if it is short-term. But if you do not pay back for a long time, then your personal credit report will have negative information, which may affect your future financial activities, such as mortgages, car loans, etc。

Second, it would deprive users of the eligibility to continue to use the granule loan, which was a punishment for the Platform ' s delay. Of course, users can still choose to borrow from other platforms, but this does not mean that you can be late for long periods of time, which, after all, would seriously undermine your creditworthiness。

again, let us be more specific about the specific consequences of the overdue loan. on the one hand, after the loan is overdue, microbanks charge interest arrears, usually 1.5 times the rate of the original loan, and interest is collected on a daily basis. on the other hand, the late repayment will reduce your rating on the granule loan, which may lead to a decrease in the amount or even to the non-use of the granule loan. finally, if you do not process your arrears for a long time, the bank may also collect them by texting, telephone, etc., causing some trouble in your life。

In conclusion, although the overdue loan will not freeze your micro-credit account, in other respects it will lead to a series of problems, including overdue costs, credit breakdowns, limitations on the use of particulates. Repayment was therefore not something that could be ignored and must be properly addressed。