Ants spend 8000 yuan. Interest 700. It's one year overdue. I received such a short message today. What will happen if I don't get it?

Although flower buds are more humane than credit cards in penalty interest, it does not mean that there is no cost at all. For overdue users, Bai Hua will charge a penalty of 0.05% of the unpaid amount in the current period on a daily basis. 0.05% doesn't seem like much, but since it is calculated by the day, it will be a big expense over time.

Second, it affects sesame credit.

Overdue flowers will affect sesame credit. The level of sesame credit score is closely related to all activities of Alipay. If we repay Bai Hua overdue, the Sesame Credit Branch will be reduced, and our actions in Alipay will be restricted in the future. At present, Alipay Sesame Credit Score has become one of the eight major credit reporting agencies (spending money casually on online loans such as JD.COM White Strip affects personal credit reporting records).

In addition, our flowers are overdue, which will also affect the sesame credit of relatives and friends and personal credibility.

Third, applications for loans and credit cards are restricted.

Will the delay in spending money affect our application for loans and credit cards? Many people are skeptical about this. However, this is true!

Those who repay the flowers overdue will not be able to apply for any loans under Ant Financial. In addition, due to the frequent appearance of Ant Financial in many fields, users with overdue flowers may be rejected if they apply for credit cards and loans at the online merchant bank where Ant Financial shares.

Fourth, facing the risk of being sued.

If you are not afraid of the above consequences, don't think that you are powerless. You know, if you don't repay the arrears of Hua Bai in full and on time, resulting in malicious overdue, you may be sued! Just like maliciously overdrawing a credit card, it may constitute fraud.

Extended data:

Remedial measures for using ant flower buds without repayment;

1. Call the customer service telephone number of ant flower bud 95 188 in time, explain to the other party the reasons for not paying the arrears, and express their willingness to return them immediately. This can save personal credit and sesame credit points as much as possible.

2. If you forget to return the arrears of the ant flower buds, don't refuse to communicate after receiving the deposit call, or even have a dispute with the customer service staff, which will seriously affect the repayment process and bring you a lot of unnecessary losses.

3. To raise funds to repay the arrears, you can temporarily borrow a sum of money from friends and relatives, or apply for short-term loans from other loan platforms. Remember to pay the overdue fee in addition to the arrears, so as not to leave unnecessary trouble for yourself.

References:

Bai Hua Contract-Alipay

Service hall-AliPay