What happens when Alipay borrows overdue?do you know?

Technology can be described as a great leap forward. Before you know it, wallets and advanced technology gradually disappear from the eyes of the public, and are replaced by mobile payment. The most common mobile payment isWeChat payment和Alipay.

Mobile payments are growing in popularity

The frequency of payment and the increase of people's desire to consume, so many people use Alipay to borrow money. It is difficult to pay back the money when spending money. The money is lent to us in seconds, but once the consumption is not restrained, it will cause us to be unable to repay the loan. chant.

So many people have such a question, what will happen if Alipay is overdue?

Now come to everyone to discuss this topic, I hope you can help after reading it.

Alipay is our most commonly used mobile APP, especially in young people’s necessities of life, which are inseparable from it. Young people who don’t pay attention to financial management concepts are often short of money to spend. Borrowing in Alipay naturally becomes a pressing need for understanding. 's head selection.

As the saying goes, a man with money is hard to be a man without money.Alipay loan overdueWhat kind of troubles will you bring to yourself when you can't pay it back in time?Below we give a summary.

What happens when Alipay borrows overdue?

First of all, we all know that Ant Borrowing in Alipay is a loan service for personal consumption, and you can borrow money directly on Alipay as long as you need it.

Alipay official information shows that the opening standard of Ant Borrowing is to conduct a comprehensive evaluation based on the user's credit status. The maximum amount is 20 yuan, and the repayment period is 12 months. Debit from personal Alipay account.

weLifeAmong them, there will be overdue situations due to various reasons. Ant borrowing starts to deduct this month's repayment from time to time after 10:6 noon on the deduction day. If the deduction is not successful by XNUMX:XNUMX pm, it will be regarded as overdue.

when weAlipay loan overdueAfter that, if it is due to forgetting to repay, you can repay it immediately the next day, because Borrower gives the borrower a certain buffer time. Within 3 days, Borrower will not think that you are maliciously overdue.If you haven't paid it back in these 3 days,AlipayIt will be considered malicious behavior, and the loan will start to calculate the penalty interest.

However, if you are going to use the loan again, you will have to pay the loan within 9 days.Alipay loan overdueThe money will be paid back immediately, because if it is not paid within 9 days, the borrowing function will be closed for you, that is to say, only the function of repaying money is left, and there is no function of borrowing money.

If the amount is not large, it is still possible to use Alipay more after paying off in full.

ButAlipay loan overdueEven if it appears, it will still have a certain impact on you. Sesame credit points:

• Alipay loan overdueRepayment will reduce the Sesame Credit Score. For example, the Sesame Credit Score is originally 700, but it may become 660 the next day.
• Alipay loan overdueIt will also appear in the bad records of Sesame Credit, which will also hinder some users from handling other businesses.

Call on everyone to use Alipay ant borrowing healthily

Alipay loan overdueIf it is serious, you can't use Ant Borrowing, and it will also affect your personal credit record. Overdue records will be uploaded to the central bank's credit information system, which will also affect your future credit life such as loans. What do you think after reading it?If you have any valuable experience, please leave a message below!