Alipay's application for consumer finance is overdue.

Negotiate deferred repayment conditions:

1, it must be overdue.

2. No payment instruction has been applied.

Phase I preparation

1. Know your bill clearly, including the principal and how much you owe now.

2. Collecting payment evidence from Alipay makes it difficult to obtain evidence.

3. Think about three questions:

A, what is the reason for your overdue, why can't you pay it back, what is the reason for the debt, and can provide proof.

For example, if you fail to start a business and have high debts, you can provide a business license and proof of current income. For example, if you are unemployed, affected by the epidemic, and now your income is relatively low, you can provide proof of unemployment and proof of work;

B. What is the current total debt (credit)?

C.what's your current income? You are confident to solve it in 2-3 years.