How many days will you call your family and friends when the flowers are overdue?

Alipay's flower bud is a popular personal consumption loan product for young people. After the flower buds are open, users can spend freely by stages. This kind of advanced consumption not only provides more convenience for everyone, but also causes a credit crisis for some friends. Many friends are unable to repay because of excessive consumption, which leads to overdue behavior. For users who owe money, the most feared thing is to let their families know. So how many days will they call their family and friends when the flowers are overdue?

Alipay officials didn't give a specific explanation about how long it will take to call the family, but according to feedback from other users, Huayuan will send a text message to remind users to repay a few days before the repayment date. On the specified repayment date, if the user has not repaid, then Huabai will call for collection. At this time, Hua Bai will call the debtor himself, which is generally polite. In the early stage, the address book will not be directly exploded. Usually, after the user's overdue time reaches 3 months, Huabai will start calling the contact person one after another for collection. Of course, if the overdue amount of users is large, it may be 1 month overdue.

Bai Hua is a personal consumption credit loan product. Users need to keep good repayment records after using Bai Hua. If the user sends overdue behavior, it will have the following adverse consequences:

1, overdue fee. If the user fails to pay off the debt within the specified time, once overdue, interest will be charged on a daily basis. The longer the time, the higher the overdue fee.

2. Personal credit is damaged. If the flower buds are delivered late, the bad records will be reflected in Sesame Credit, which will lead to the decline of Sesame Credit Score and personal credit damage, and subsequent credit business may be affected.

3. Be collected. After the flowers are overdue, the platform will collect the arrears. The common collection method is SMS or telephone collection. If the user's overdue circumstances are serious, Huayuan can also recover the arrears through legal channels.