What will happen if Huabei is overdue for three months?

1. Positive answer

Under normal circumstances, the platform will not sue immediately after Huabei is overdue, but when it is overdue for a long time, for example, it is overdue for more than three months and there is no active If you are willing to solve the debt problem, the platform may take stricter measures.

2. Specific analysis

If Huabei is overdue for more than three months, you may be prosecuted. In addition, there will be five major consequences.

1. Report the overdue situation to the credit report

After the overdue period, Alipay will report the overdue situation to the credit report, which will leave a bad loan record on the credit report, which will give Carrying out credit activities in the future will cause greater trouble.

The overdue records on the credit report will not be easily eliminated. After the overdue debt is settled, the overdue loan records will be retained for 5 years, which will have a relatively long impact.

2. Will be collected by the platform

Although Huabei will not call family members who are overdue, they will still collect the money from me through phone calls and text messages, urging them to collect the overdue items as soon as possible. debt settlement.

However, regular lending institutions will generally only contact you to collect debt, and will not harass family members and friends. If you encounter some non-compliant debt collection, you can prepare information to report to the relevant departments.

3. A large amount of penalty interest is generated

After the overdue period, in addition to the normal fees, Alipay will also calculate the overdue penalty interest. The penalty interest is charged on a daily basis, and the penalty interest fee is The interest rate converted into daily interest rate is not low, which will directly increase the debt pressure.

4. Zhima points are reduced

After Huabei expires, Alipay will reduce the Zhima points. When the Zhima points are lower than a certain level, some services on Alipay may be used. affected.

For example, when the Zhima score is lower than 600, credit products such as Jiebei, Huabei and Wangshangdai will be restricted by the system.

5. Those who maliciously overdue will be prosecuted

If the loan is deliberately defaulted, in this case Alipay will resolve the debt problem through legal channels in order to protect its own interests. , will prosecute malicious overdue users.

So in order to avoid the above situations, you need to maintain good repayment behavior. If you really can't pay the bill, you should also apply for bill installment or minimum repayment in time.

As long as you find: Beijian Quick Check, you can query your online loan big data report with one click, which will contain important data such as your credit rating score, whether there is a blacklist, etc.

3. Huabei is three months overdue. Can I still use it after repayment?

Whether Huabei can resume use after overdue repayment for 3 months will be determined by the system's re-evaluation and manual intervention is not possible.

So whether you can continue to use it after repayment and when it can be restored depends on whether the user's credit rating meets the standards.

If it does not meet the standards, it cannot be used.

So users must keep good consumption records and repayment records in order to restore the right to use Huabei.