Excuse me, what will happen if it is overdue for one month?

Ant borrowing overdue for one month will mainly have the following four effects:

1. Loan cannot be used normally: the function of overdue loan for one month will be restricted, that is to say, only the repayment function is enabled, and the borrower is not allowed to borrow again. Whether the follow-up can be restored will be evaluated irregularly by the system, and the final result cannot be artificially intervened.

2. Impact on Sesame Credit: Overdue records will be uploaded to Sesame Xinyong Middle School, which will affect Sesame Credit Score.

3. Affect personal credit information: overdue records will be uploaded to the credit information system of the People's Bank of China, overdue records will be permanently stored in personal credit information, and settlement will be automatically eliminated after five years.

4. There will be overdue interest: the overdue amount is calculated as 0.5 times of the normal interest rate, which means that the lender must pay the principal+interest+overdue interest to settle the loan.

Ant financial service AI robot mobile phone short message collection. Generally, Alipay is less than one month overdue, and many of them have forgotten it, or they will not come back in a few days. Ant Financial's attitude is still relatively mild, mainly to call you to tell you that the flowers are overdue.

How much money is overdue can be returned as soon as possible. After all, customers are God, and their attitude towards God is still good. Repay in advance, without penalty interest and bad credit. Will affect personal credit.

Professional three-party collection company multi-mode collection. If the repayment has not been made after one month, because the overdue time will be longer, Ant Financial will outsource the bad debts to a special three-party collection company at this time and call you frequently to ask you to repay immediately, because it is already a bad debt. The credit report is positive.

The attitude of this tripartite collection company is not as friendly as the AI robot of Ant Financial, and the telephone messages are kept playing. In addition, it is also possible to make some fake court leaflets or lawyers' letters to put pressure on customers. The purpose is also very simple, that is, to ask you to pay back the money!

Use legal weapons. To borrow money from a borrower, you need to enter the loan amount, agree to borrow money and sign an electronic contract. After signing the contract, we have actually established a loan relationship with Ant Financial.

If the hesitation period is long, more than three months or longer, and the arrears are already in the tens of thousands, then Ant Financial will have a professional risk control team to submit an indictment to the court, and the user will be normally judged to repay because of the loan contract.

The court ordered the user to pay off the debt within the repayment period. If the user has not returned it, Ant Financial has the right to apply to the court for freezing assets for sale and repayment.

Of course, some people don't want to pay back the money. If they transfer all the money in the bank card and don't put all the houses and cars in their own names, the court will put you on the list of untrustworthy people.

It is a very painful thing to have no credit in China. You can't go out by plane and enter state-owned enterprises and central enterprises. If you spend too much money, it will also affect the next generation of children. It can be seen that the damage is very great.

Credit punishment. Credit is very important in today's society Without credit, one can hardly move, and no one dares to cooperate with people without credit. So credit is a person's most valuable thing.