What should I do if Alipay online merchant bank calls for dunning?

Alipay's online merchant bank will always collect or ask friends around it to collect after it is overdue for 6 months. 202 1 new regulations on overdue credit cards: banks can demand payment from users, but violence is not allowed; If the credit card fails to collect liquidated damages, no late payment fee will be charged; There is no malicious overdraft involved, and users only need to pay off overdue debts.

1. How long is Alipay's online merchant bank overdue?

In recent years, Alipay has launched many lending platforms, including Alipay flower buds, borrowing buds, comfortable flower buds and online business loans. These lending platforms require everyone to repay on time. If you operate a loan in Alipay online merchant bank and don't repay it on time, you will have a bad credit record. The online merchant bank will generate relevant reports to the credit information system of the Bank of China, and the system will generate corresponding credit information records after verification. After this record is generated, it will affect everyone's loan application on other platforms, and it is easy to be rejected. This kind of record will generally be eliminated after five years from the date when everyone pays off the arrears. No matter how serious the overdue period is, as long as everyone repays, it will be eliminated after 5 years from the date of repayment and will no longer be displayed in everyone's credit report.

Second, does the opening of online merchant bank have no impact on Alipay?

Online merchant banks and online merchant loans are Internet financial service products launched by Alipay. It doesn't matter if it's opened, but since it's opened, it's best to use it to avoid being unable to open it again because Alipay withdraws the invitation in the future. Alipay mainly focuses on the data of consumer users. Alipay will judge your usual consumption situation and rely on these data to analyze what kind of users you belong to, but most users do not have this function. Since they have it, they should use it, and it has been opened. For netizens who have activated online merchant banks or online merchant loans, they can use them irregularly. After all, it's easier to use than to open, and they don't have to close it sooner or later for a long time.

No matter what platform loan it is, everyone should repay it on time. If there are overdue records, it will have a great impact on everyone, especially in recent years, the loan review is more strict. If it is overdue, it may not be possible to apply for a loan. It is best not to lose too much because it is small.