Is it really necessary for Alipay to send text messages for more than eight months?

Flowers usually go through the following steps before and after expiration:

SMS reminder

This is the first step in the flower garden, and Xiaoxin Niu often receives it. It will remind you that there is still some money in the garden. If the cash flow is difficult, you can choose the minimum repayment amount, with interest of five ten thousandths, which is not very high and acceptable.

Telephone reminder

If you don't pay back in time after the repayment date, a professional customer service will call you the next day to communicate with you, with a good attitude and will say that you forgot to pay back. Will you pay back the money now or this afternoon?

Contact your family.

If the communication with you is unsuccessful, the arrears will not be paid back within one month. Alipay will contact your parents first according to your relevant number, and communicate with you in time to pay back the money.

Frozen accounts/balances/funds

If there is still no response after contacting your parents, Alipay will freeze your Taobao account according to your personal information, and the funds in Alipay account can only enter but not exit.

Send a dunning notice

If you make up your mind to stand up to Ma Yun, you will soon receive a reminder letter from Ant Financial.

Shangzhengxin

Bai Hua is not connected to the credit information yet, but it is impossible to tell it later. After the credit investigation, the credit will be tainted, which will have a great impact on your future credit loans.

Court prosecution

Few people will come this far, after all, the amount owed will not be so large.

The adverse effects of overdue Alipay flower buds;

1, paying a lot of interest.

Everyone must pay attention to the repayment time. Avoid paying unnecessary overdue interest.

2. Affect the credit score.

Bai Hua's overdue records will be submitted to Sesame Credit, which will have a negative impact on Sesame Credit Score and Credit Records.

3. Those who have overdue flowers will not be able to apply for any loan under Ant Financial.

In addition, because Ant Financial is involved in many fields, users who have overdue flowers will apply for credit cards and loans at the online merchant bank where Ant Financial is a shareholder, which is likely to be rejected.

4. Affect personal credit.

According to the current regulations of Ant Financial, when the flower garden is overdue, it will receive a credit report, which means that the flower garden will be reflected in the credit report after it is overdue, which directly leads to a high probability of being rejected when applying for a credit card or loan from the bank!

5. Facing the risk of being sued.

Failure to repay on time will lead to malicious overdue and may be prosecuted! Although the amount of flowers is generally not high and the plot is not too serious, everyone should be careful!