What are the consequences if Qunar Huabei is overdue?

The consequences are very serious. Compounding interest can scare people to death. It is best not to overdue it, because after overdue interest is calculated on a daily basis, and interest will also accrue after interest. This is compounding interest. , even the rich can't stand it. So it’s best not to be overdue. If it’s really impossible, it’s better to pay in installments than overdue. But it doesn’t matter if it’s a day or two overdue.

No matter where you go or if your Huabei loan is overdue, it is a bad thing. No matter what kind of online loan, the first thing that is expected to be affected is your credit report. Generally, the credit report of friends who have borrowed online loans is basically spent, if there are a few overdue records added to it. Then within five years you will basically have no chance of bank credit business. Whether you are applying for a credit card, a mortgage, or a consumer loan to buy a car, it is difficult to pass the bank's review.

So I often advise my friends not to take online loans as much as possible. Generally, the annual interest rate of online loans is around 20. Once you start borrowing online loans, you will borrow more and more, and it will affect your ability to pay back. Credit report.

I would like to advise friends who have borrowed online loans to go ashore as soon as possible. Find a loan from your parents or a regular bank, and quickly pay off the online loan. Nowadays, the loan interest rate of regular banks is less than 5%, and the pressure is not very great. If you work hard for a year and a half and pay off the loan to the bank, you will be free and easy.

Thanks for the invitation, I am Chen Jun, a reformer. Ant Huabei is a new consumer credit product launched by Ant Financial, which can bring consumers a more convenient and comfortable shopping experience. After applying to open Ant Huabei, you will get some consumption quota. When users are consuming, they can prepay Ant Huabei's credit and enjoy the shopping experience of "spend first, pay later". But what will be the consequences if Ant Huabei repays overdue?

If the current repayment amount is not paid off before the repayment date, corresponding overdue interest will accrue. Overdue interest will be charged on a daily basis at 0.05 of the current unpaid amount. Failure to repay Huabei on time will not only incur overdue fees, but also affect Zhima credit scores, which will affect the use of Huabei in the future. Serious overdue payments will affect personal credit records.

Overdue credit card repayments will leave a bad record on your credit record, and Ant Huabei is a short-term consumer product provided to consumers by Ant Micro-Loan, which is equivalent to a virtual credit card , the interest-free period is generally one month.

Overdue fees will be incurred. Like a credit card, interest is charged on overdue charges at 50,000 per day. However, unlike a credit card, interest is calculated on 50,000 of the unpaid amount. Some bank credit cards charge interest on the full amount. . The simple answer is that the interest is compounded. The longer you delay, the higher the interest will be.

May be included in personal credit records. This is more important. Although there is currently no definite information that Huabei’s overdue credit will definitely be included in personal credit records. However, last time, Hao Ying, director of consumer credit of Ant Micro-Loan Division, said, “If the loan is overdue maliciously, it will be dropped into the central bank’s credit reporting system.” That is to say, Huabei users who deliberately default on repayment, have large amounts, and have been in arrears for a long time may be included in their personal credit records in the future. A bad credit record will affect the user's loan and credit card application.

Finally, Ant Huabei’s overdue records will be reported to Sesame Credit, which will affect Sesame scores. Overdue credit will also be affected. If it affects the personal credit report, it will have a great impact on the future life of the subject.

Therefore, if you use Ant Huabei for a period, you must repay it in time and be careful not to overdue it.

Late repayment of Huabei will generally have some consequences. Repayment as soon as possible is king. The consequences of late repayment are:

1. Penalty interest

After overdue, there will be a penalty interest, usually the overdue interest will be charged at 0.05;

2. Impact on Zhima Credit

If you are overdue, your Zhima Credit The score will be lowered;

3. Loan rejection

After overdue repayment, applying for Huabei loan again is likely to be rejected.

4. You cannot apply for a credit card

Many banks have access to Alipay, and applying for a credit card will also grant credit to Sesame Credit.

When using Huabei, try to avoid overdue payments, because the consequences are quite serious, mainly including the following three points:

1. Damage to credit rating assessment

If the user fails to repay the loan in time, his or her personal Zhima credit score will be reduced. Since Zhima Credit and the Supreme People's Court have implemented dedicated line networking, while the borrower's Zhima Credit points will be deducted, various application scenarios on the Alipay platform will be restricted, and the borrower may also be recorded in the credit report of the central bank's credit center. Reporting.

2. Generate corresponding penalty interest

Although Huabei’s requirements on overdue penalty interest are not so strict, users can even choose to repay in installments after overdue to reduce the penalty interest. cost. However, as long as the loan is overdue, penalty interest will still be incurred. Huabei's overdue interest is charged at 0.05 of the outstanding amount in the current period.

3. Impact on credit card and loan applications

Since Huabei is connected to the central bank’s credit system and has close cooperation with courts and banks, overdue repayments occur in Huabei. Records may affect personal applications for credit cards and loans on online financial platforms and banks.

The following is Huabei’s official answer:

What is Huabei?

Ant Huabei is a consumer credit product launched by Ant Financial. Apply to open it Afterwards, you will receive a consumption quota ranging from 500 to 50,000 yuan. When users are consuming, they can prepay Ant Huabei's credit and enjoy the shopping experience of "spend first, pay later".

After using Huabei for consumption, you must remember to repay on time. If you really don’t have sufficient funds, you can choose to pay in installments. Otherwise, if Huabei is overdue, you may face the following four situations Consequences: 1. Penalty interest will be generated

Late repayment by Huabei will generate corresponding overdue interest. Overdue interest will be charged on a daily basis at 0.05 of the unpaid amount in the current period. Although 0.05 may not seem like much, since it is calculated on a daily basis, it will become a considerable expense over time. The calculation formula is as follows: Overdue interest = repayment amount × 0.05 × number of overdue days. For example, if you owe Huabei 10,000 yuan and pay it back 30 days overdue, the penalty interest you have to pay is: 10,000*0.05*30=150 yuan! Isn’t it scary? 2. Impact on Zhima Credit Score

The level of Zhima Credit Score is closely related to all activities of Alipay. There is no doubt that overdue Huabei will definitely affect Zhima Credit. If our Huabei is overdue, our Zhima credit score will be reduced, and our various actions on Alipay will be restricted in the future. It is even serious that you cannot enjoy some of Alipay's life services.

In addition, if our Huabei is overdue, it will also affect the Sesame Credit of our relatives and friends, affecting their personal creditworthiness.

3. Restrictions on loan and credit card applications

Will being overdue for Huabei affect our application for loans and credit cards? There are also many people who are skeptical of this view. But today, I want to tell you seriously: this is indeed the case!

People whose Huabei payment is overdue will not be able to apply for any loan under Ant Financial.

In addition, due to Ant Financial’s frequent moves in multiple fields, overdue Huabei users who later apply for credit cards and loans from MYBank, a shareholder of Ant Financial, are likely to be rejected. 4. Face the risk of being sued

If you are not afraid of the above consequences, don’t think that Jack Ma’s father can’t do anything to you. You should know that if you do not repay the loan on time and cause malicious overdue payment, you may be prosecuted! Although the amount of Huabei is generally not high and the plot is not too serious, everyone should still be careful! Finally, Lao Tie reminds everyone that when shopping online, you should pay attention to phishing websites and avoid shopping on some informal e-commerce platforms. When shopping on computers, it is best to install anti-virus software such as Kingsoft Antivirus to block phishing websites and minimize shopping risks.

The consequences of overdue Huabei:

1. If Huabei is overdue, you will need to file a credit report, which will affect your subsequent loans and other consequences

2. Will Pay high interest and penalties.

3. If it is overdue, there will be debt collectors who will expose your address book or threaten you, or call and harass your family and friends, etc., which will seriously affect your life.

Therefore, make good loans and do not overdue. Overdue loans will affect future loans and economic losses. At the same time, you will also be harassed and intimidated by debt collectors and a series of other problems.

Warm reminder: Do not spend in advance and repay on time.

Therefore, it is recommended that whether it is an online loan with Huabei or the credit card we usually use, we must not cause it to be overdue. This will not only affect the future purchase of a house or car loan, but may even lead to Soft violence to collect money, exposure of address books, and phone calls to relatives and friends have affected one's reputation. It will also bring harassment to the lives of relatives and friends around you, seriously affecting your life and work.

The above is my answer, I hope it can be of some help to you

The full name of Huabei is Ant Huabei. It is a consumer credit product launched by Ant Financial. Apply to open it. Afterwards, you will receive a consumption quota ranging from 500-50,000 yuan. When users are consuming, they can prepay Ant Huabei's credit and enjoy the shopping experience of "spend first, pay later".

When we consume, we can advance the amount of Ant Huabei and repay it on the 9th/10th of the next month after receipt of the goods is confirmed. There is also an interest-free period. In addition to the consumer experience of "buy this month, repay next month, super long-term interest-free", Ant Huabei also launched the Huabei installment function, where consumers can repay in 3, 6, 9, or 12 months. On the due date of repayment, the system will automatically deduct the balance of Alipay account, Yu'E Bao (requires Yu'E Bao deduction function), and debit card quick payment (including card) to repay the unpaid portion of the bill. You can also take the initiative to make repayments. To avoid overdue payments, please ensure that your Alipay account has sufficient funds. If the payment is overdue, a late fee of 0.05% will be charged every day. (Quietly, don’t use it if you can. Remember to pay it back in case of emergency.)

If your overdraft exceeds 1,000 yuan, there will be a reminder call in the first to second month. Remember to answer it. You must answer it.

If you haven’t paid back in the third month, your Alipay account will be frozen and a malicious overdraft record will be submitted.

If the loan is too overdue, there may be a civil lawsuit in the fourth month. At this time, paying back the money will not solve the problem. If you lose the lawsuit, you may face jail.

SO, make money well, save money well, don’t overdraw your money, live your life as much as you earn, don’t compare with others, your own happiness is the most important thing.

After a long time, the credit will be confirmed, which will affect the mortgage and car loans. Huabei is almost like a credit card.

First and most importantly, it will create a bad record in your credit record, which will affect your future loans. It will also be reflected in the credit report, etc.

Second, it will affect your Sesame points. Lower your Sesame credit rating, etc.

Third, overdue fees will be incurred. Overdue fees = overdue amount * number of overdue days * 0.05.

Of course, in addition to the above impacts, Huabei will definitely also carry out collections. Within 9-13 days after the customer's due date for repayment, Huabei will remind users to repay through text messages, automatic voices, etc. If the user is overdue for 13 days, a manual telephone reminder will be issued. If the amount is large and the user cannot be contacted by phone many times, the user will be reminded to repay by contacting the relevant person. Even if the debt is overdue for more than 90 days, collection may be outsourced, and local collection personnel may come to collect the debt.

So what should I do if it is really overdue? 1. Generally, users’ Alipay will bind their debit card and Yu’e Bao, and the money will be automatically deducted on the repayment date. For users who have not bound it, it is recommended to bind it for automatic repayment. 2. If you forget to repay the loan and it becomes overdue, just repay it as soon as possible. The amount is not very large and the time is not very long. Generally, there is no problem.

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