Is the deduction including debit system overdue? Entry of

Will ants automatically deduct money if they borrow it? You must know the consequences!

; ? Alipay has many successful ace credit products, among which it should be well known that ants borrow money. Many people have opened loans, which can solve the problem of temporary funds at critical times. As a loan, of course, you must pay it back on time. If it is overdue, the consequences will be very serious. Will it be deducted automatically if I borrow it? Let's get to know each other.

After the ant's borrowing is overdue, Alipay will do the following:

1, SMS notification

There will be no customer service collection at the early stage of overdue, because many people are overdue because they forget to repay, so you can remind them by SMS. Alipay will send a text message to inform you of the amount to be paid this month and the current overdue situation, and it will also be displayed on Alipay APP. At this time, it is good to repay in time.

2. Affect quotas

If it has not been paid back, it will directly affect sesame credit, and then products such as flower buds and online business loans will find that the quotas of these products have been reduced or directly cleared. The overdue situation is serious, and it is possible that the account will be frozen and only repayment can be made. It is difficult to borrow Alipay loans in the future.

3. Automatic deduction

As a matter of fact, Alipay will not deduct money from your account after loans overdue, even if you have money in your balance and Alipay, it will not be deducted unless you have money in the balance before repayment date, savings card (including online merchant bank) and Yu 'ebao, and it will not be deducted automatically if it is overdue, and you need to repay it manually.

Principle of automatic deduction for borrowing by ants: automatic deduction will be started on the repayment date 13, but it has not been automatically deducted after 19, so manual operation is recommended;

After the deadline, you need to pay back manually: log in to Alipay and click My-Ant Borrow-Pay Back, or My-Loan Record in the lower right corner.

Warm reminder: Ant automatic repayment does not need to be set by itself, and Alipay will automatically deduct money on the repayment date of each month.

Excuse me. What's not expired?

There are two situations of prepayment, so there will be different interest calculation methods.

One is full settlement, and the other is partial repayment.

For example:

1. The interest is calculated according to the number of days when the principal is actually used.

If you borrow 10 thousand yuan, borrow it for six months and settle it in ten days, you only charge ten days' interest;

2. For partial repayment, the system will calculate the owed principal into all the interest generated at present and pay it together. The remaining principal will continue to generate interest from now until the repayment date and needs to be repaid on the repayment date.

For example, if the loan is 65,438+0,000 yuan, the repayment date is 5 days, and the principal is repaid in advance on 65,438+0 days 1000 yuan plus corresponding interest. On 5th, 1 to 5th, the interest generated by the remaining principal of 9000 yuan needs to be repaid.

You can choose the way of early repayment according to your own situation, or you can repay it normally on schedule. In short, don't be overdue.

Extended data:

Borrow. How can I borrow money?

1 First, ask the user to log in to the personal Alipay account, and then select "My"-"Ant Borrow";

Then open the ant loan. After the successful opening, you can see the personal credit limit;

3 Select "Loan" under the credit line, enter the amount to be borrowed, borrowing time and repayment method in the credit line, then select OK, and finally enter the payment password, and the loan is successful.

The above is a detailed introduction to the process of borrowing money from ants, hoping to help. It is worth mentioning that the loan must be repaid on time, and overdue repayment will not only charge a certain penalty interest, but also have a negative impact on personal credit.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.2.50

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. The following is the actual experience of increasing the quota:

1, deposit the balance treasure or lucky treasure (regularly), and deposit 15000+ money, which can be spent after basically 10, usually at1-10;

2. Download the online merchant bank app on your mobile phone, and then save it in your computer. 10,000+deposits can basically lend 10,000 white+online merchant bank consumer loans in one month;

But there are still netizens who spit out Uncle Ma Yun; One reason why I am not optimistic about these internet companies engaged in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees.

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.

I want to return the flowers, but I borrowed them. What should I do if I deduct them?

1, flower buds are automatically buckled.

(1) Automatic deduction on repayment date: on repayment date, if the user fails to repay, the system will initiate automatic deduction. Automatic deduction will be deducted according to the user's automatic repayment settings, which are divided into full repayment and repayment according to the minimum repayment amount of the bill. Therefore, when the repayment amount of the user does not meet the repayment setting of automatic deduction, the system will initiate a second deduction on the repayment date even if the user has repaid.

(2) Automatic deduction after overdue: After the flowers are overdue, the system will initiate automatic deduction every day until the overdue debts are paid off. The automatic fee deduction function cannot be turned off. If the user pays off the overdue debt manually, the system will not initiate automatic deduction again.

(3) Automatic deduction for other businesses: A certain business handled by the user is flower bud withholding, so at the appointed time, the business will directly initiate flower bud automatic deduction. Users can find out which service initiated automatic deduction through Bai Hua bill. If the service is not needed, they can try to shut it down.

2. Automatic loan deduction.

(1) Automatic deduction on repayment date: on repayment date, if the amount repaid by the user does not meet the repayment principal and interest of the current period, or the user fails to repay, the system will automatically deduct the amount according to the deduction order. The order of deduction includes Alipay balance, Yu 'ebao and bound bank card, so automatic deduction of borrowing costs is usually a repayment operation.

(2) Automatic deduction after overdue: after overdue, the system will initiate automatic deduction in the order of deduction every day until the overdue debt is paid off. The automatic deduction function cannot be turned off, and the automatic deduction will stop only when the user pays off the overdue debt.

3. The account number was stolen.

If the user's Alipay account is stolen, the other party will use the user's Alipay account to pay for the flower buds or apply for a loan from the Alipay balance, which will also lead to the automatic deduction of the flower buds and the automatic deduction of the loan fee. If you find that there is indeed a case of stolen brush, you must contact Alipay customer service in time to freeze Alipay account. After that, the user will call the police and let the police assist Alipay to retrieve the stolen funds.

Alipay flower buds suddenly automatically deduct fees, and users must understand the specific reasons. After all, once the stolen brush is discovered, the user fails to freeze the account in time, which will only make the loss continue to expand.