What happens when flowers are overdue 1 day?

Within 9- 13 days after the repayment date, users will be reminded of repayment by SMS, automatic voice, etc. If the user fails to repay the loan, a manual telephone reminder will be given after 13 days overdue. If the amount is large and can't be contacted by phone for many times, the relevant party will be contacted to remind the user to repay.

Consequences of Ant Bud Expiration:

(1) generates overdue charges. Like credit cards, overdue fees charge interest at the rate of five ten thousandths per day, but unlike credit cards, overdue fees charge interest at the rate of five ten thousandths of the outstanding amount. Some banks charge full interest on their credit cards. Simple delivery means interest, and the longer the delay, the higher the interest.

2 may be included in personal credit records. This is more important. Although there is no exact information at present, if the flower is overdue, it must be included in the personal credit record. However, last time, Hao Ying, director of consumer credit of Ant Small & Micro Business Department, said that "if it is maliciously overdue, it will enter the central bank's credit information system". In other words, users who deliberately default on repayment, with a large amount and a long time of default, may be included in their personal credit records in the future. And bad credit records will affect users' loan and credit card applications.

Ant Flower Bai: This is a credit card-like service launched by Alibaba. When shopping on Alibaba's shopping platform, you can choose to pay with ant flower buds. The repayment date is before 10 of the month after you confirm the collection.

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Can Bai Hua pay back the money in a few days?

Bai Hua does not provide grace period service for repayment, so repayment must be made before the due repayment date (inclusive). If it is not paid before the repayment date (inclusive), even if it is only one day late, it will have adverse effects.

First of all, from the overdue date, the penalty interest will be charged until the customer pays off, and the penalty interest will be paid for each overdue day. Secondly, once the flower buds are overdue, they will be submitted to the sesame credit system, which may lead to a decline in sesame scores. In addition, some users' flower buds are connected to the central bank's credit information, and the overdue situation will be reported to the credit information, leaving a bad record in the customer's personal credit information report (the credit information update frequency is T+ 1 day).

However, it should also be noted that although there is no "time-tolerant" service in the flower bed, if customers find that they can't pay off their bills on time, they can choose to repay them by installments or the minimum repayment amount, or they can apply for deferred repayment. In this way, the remaining unpaid part after the minimum repayment amount, the installment part of the bill and the deferred part of the bill can be postponed for one month.

Of course, if the customer wants to handle the bill installment or deferred repayment, it is better to do it before the repayment date, because the deduction time on the repayment date is uncertain, and if the deduction is made early, the customer cannot do it in installments or deferred. If the customer can collect enough money in a short time, in fact, he can also choose the minimum repayment amount. After paying the minimum repayment amount of the bill before the repayment date (inclusive), the rest will be included in the next bill, and will be paid off in full after the next bill is issued.

The flower garden system will evaluate users' personal information from time to time, and users with a high overdue frequency may be downgraded. If you can't pay off before the end of the grace period, you can try to repay by installments or the minimum repayment amount. When using flower buds, you should pay off the arrears in time, otherwise it will have an impact on personal credit information and even cause money losses.

Bai Hua has been fully connected to the credit information system, and overdue repayment will not only affect the sesame credit score, but also adversely affect personal credit information.

Where is the deferred repayment function in Bai Hua?

The deferred repayment function of Huabai is hidden in the instant repayment of Huabai. You can click on the mobile phone Alipay APP- My-Huabai-Repay Now to enter the repayment page.

If you are eligible for deferred repayment, you can see the button for deferred repayment. If you don't find the extension of the flower bud, you are not qualified, usually for the following reasons:

1, the operation time is incorrect: Huayuan deferred repayment can be handled after the bill comes out and before the deduction on the repayment date, but not at other times;

2. Incorrect handling amount: the minimum handling amount for deferred repayment in Bai Hua is 100 yuan, and the maximum is 5,000 yuan, and the amount type is required. For example, all kinds of interest and installment principal in Bai Hua cannot be postponed, but can only be consumed newly, subject to the amount shown on the page.

In addition, if Bai Hua's account status is abnormal, such as being closed by the system, although the repayment entrance is still there, deferred repayment is not supported.

How about deferred payment?

Bai Hua's deferred repayment can only be postponed for one month, and it is not free. A handling fee will be charged according to the amount of deferred repayment, ranging from the lowest in 2 yuan to the highest in 40 yuan.

For friends who can't repay in one lump sum for the time being and don't want to repay in installments, it's not bad to avoid overdue by paying part of the handling fee and adding a one-month repayment buffer period.