Is it true that Alipay borrows money and spends money on overdue door-to-door verification?

Alipay is overdue. Alipay will send text messages to investigate. This is not a malicious collection. Probably just going door to door to understand the economic situation. Alipay is a formal payment platform with a business license. Not an illegal collection platform. There will be no violent collection and arbitrary dissemination of information. However, if Alipay sends home visit information, you should pay attention.

Data expansion:

First, the impact of overdue Alipay

Alipay may not come to the door for collection. After all, Alipay is a legal and compliant loan product of Ant Financial, but if your Alipay is overdue, the borrower must pay off the debt as soon as possible. Because all the information of Alipay is connected to the central bank's credit information system, if it is overdue for too long, it will be reported to the central bank for credit information. If you don't pay Alipay within the time limit, you may be called by SMS or phone, but it won't disturb the people in your address book. In fact, door-to-door collection is relatively rare for online loans. Only some informal online lending institutions will contact the third-party collection platform for home collection.

Second, it depends on how long it will take for loans overdue to affect credit reporting:

1. Bank loans: The grace period of general bank credit card loans and personal credit loans is no more than three days. If the money is paid back within three days after the agreed repayment date, it will not affect your credit information. If the loan is not paid after the grace period, according to the requirements of the central bank for credit investigation, the overdue record of the user will be reported the next day, which will affect your credit investigation.

2. Regular online loans: Generally, regular online loans are connected to the central bank's credit information system, but online lending institutions rarely have overdue grace periods, so if they fail to repay after the agreed repayment date, the credit information will be affected. Similar to banks, regular online loans are generally reported the day after the deadline, so everyone's credit information may be affected the day after the deadline.

If it is only one or two days overdue, it is recommended to pay off the arrears as soon as possible, and then take the initiative to contact the customer service of the online loan platform, indicating that it is not maliciously overdue and asking the loan platform to delete the overdue record. If the platform fails to report overdue bad records to the central bank's credit information system, there is still a chance to delete bad records. However, once the platform reports the overdue bad records to the central bank's credit information system, it is impossible to manually eliminate the bad records. Bad records shall be kept in the personal credit information system for 5 years from the date when users pay off overdue debts.

3. Online loans without credit information: Many people will feel heartbroken when they see loans without credit information. Bian Xiao wants to remind everyone that many loans without credit information are non-performing loans and there are many non-compliance problems. Do not apply for convenience for the time being. Bring yourself endless trouble.