Alipay flower buds have been restricted for use beyond the time limit. How long will it take to recover? What should we do?

The author has always said that Alipay is very smart and owes Alipay money, including online business loans. Before he paid off, he had all kinds of means to deal with the borrower.

Bai Hua will not log in to the People's Bank of China for credit inquiry after the deadline, because its core is commercial purchase and sale credit, so he owes money to a commercial factoring company controlled by Alipay. Commercial factoring companies do not belong to financial institutions, so even if the arrears are overdue, it is impossible to log in to the People's Bank for credit inquiry. Borrowing is different. The latter lender is a small loan company, and you can log in to the People's Bank for credit inquiry. Not to mention the online merchant loan, he is a formal loan from the online merchant bank and will definitely log in to the People's Bank for credit investigation.

After Bai Hua's arrears are overdue, even if he doesn't log in to the People's Bank of China for credit investigation, he won't be brutally collected. Can't the borrower repay the loan? Alipay has other killers. He can restrict the borrower from using the functions of Alipay, he can restrict the borrower from using the services of other companies that Alipay cooperates with, and he can directly deduct the money transferred to Yu 'ebao or freeze the transfer of the borrower's wealth management products on Alipay. Alipay now has 10 million users, which are basically staffed. In this case, the borrower will feel constrained everywhere and will naturally give priority to returning his loan.

However, after Huayuan repaid its debts, Alipay still took punitive measures, that is, it continued to freeze the service functions of Lending Bao, Huayuan and online merchant loans, and at the same time significantly reduced the score of Sesame Credit. In the future, see how the borrower performs in Alipay, and gradually restore and improve the sesame credit score. The recovery time is generally less than half a year, mainly depending on the borrower's activities on Alipay and his contribution to Alipay. This recovery is automatically checked by the machine without manual intervention.

Now many people on the Internet say that it is not reliable to help borrowers restore the function of flower beds. At most, it is to talk about some groping skills. Whether the skills can be restored depends on the results of Alipay machine audit. Sometimes it hits it off, it recovers quickly, and sometimes it lasts for a long time.

Ali's Alipay has a very strong understanding of human nature. He used all kinds of inconvenient and legal means to deal with the debtor to maintain the normal operation of his system. Therefore, the overdue rate of flower buds is very low, generally less than 3%. If the above means are ineffective, you can sue the borrower in Hangzhou Internet Court and demand repayment.