Bai Hua sent a short message after the deadline, saying that she paid on the spot.

Some people use Alipay to borrow money or spend money, but they have no repayment ability at the deadline. Alipay sent a message saying that it would be handled at home. Is this true or not?

First, it is true that your Alipay is overdue, and then Alipay will send you a text message saying that it will come to investigate. This is not a malicious collection for you. Maybe it's just going door-to-door to find out your financial situation and see if you have the ability to repay. After all, Alipay is a formal payment platform. It has a business license, and it is not an illegal collection platform. It will not collect you violently and spread your information at will. However, if Alipay sends you information about home visits, you should also pay attention. After all, you owe so much money for so long that Alipay's system has noticed you. You can choose to pay it back, you don't need to pay it all, you can pay it back bit by bit. After all, you must pay back the money you owe. The longer it takes, the more you will go to the credit information system.

Second, the impact of Alipay overdue Although Alipay may not come to the door for collection, after all, Alipay is a legal and compliant loan product under Ant Financial, but if your Alipay is overdue, the borrower must pay off the arrears 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.

III. Summary Bian Xiao also reminded netizens that online lending is risky and loans should be cautious. If there is no necessity, it is best not to make online loans. If you really want a loan, you can choose to go to the bank for a loan. After all, the bank's reputation is still very good, and it will not have a bad influence on you.