I'm sorry. Why is there a text message after it's overdue?

The loan has been repaid, and the repayment page will show that the repayment is successful, and the system will not send a short message to inform the user. A few days before the repayment date, the system will send SMS or Alipay notification information to remind users to repay on time. Users who prepay still need to repay on the repayment date, so forgetting to repay after prepayment will also cause overdue. In addition, if the repayment is made on time, the normal repayment information will be uploaded to the credit information, which is conducive to maintaining personal credit information and helping users to handle other credit business in the later period.

"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

2021165438+1October 8th, it was reported that Alipay's "borrowing" was renamed as "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Deposit the balance treasure or lucky treasure (periodically), and deposit 15000+ money. After 10 days, it can basically be released, usually at 1- 10.

Download the online merchant bank app on your mobile phone, and then save it in the library. Ten thousand yuan a month+deposits can basically be lent out+ten thousand consumer loans from online merchants' banks.

This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

2018 65438+1October 9, according to the news of Shanghai TV, Alipay's small loan product "Ant Borrowing" violated the relevant regulatory regulations of the central bank by actively closing some user accounts to control the loan balance due to its high leverage ratio.