The ant borrowed a reminder message.

If it is really overdue, you have to take it seriously. The message is real. I suggest you call Alipay to check first. You can contact the official staff of Ant Financial to negotiate this repayment, issue a certificate and strive for interest-free or interest-reduced repayment. Don't think you can escape it, it will follow you all your life. Interest will continue to rise after a long overdue period. When it reaches tens of thousands, if you don't pay back the money, they will sue. At that time, they may sue for fraud. If you have the ability and little money, you'd better pay it back as soon as possible. Over time, it will affect the credit information and have a great impact on us, which is related to buying a car, buying a house or even looking for a job in the future. If it takes a long time, the quota will not constitute a criminal offence, but if it is sued to the court, it will be enforced by the court and blacklisted, which will affect future loans, buying a house and finding a job.

First, the consequences of overdue flowers:

1. If Bai Hua borrows money for overdue repayment, the overdue record will be submitted to Sesame Credit, which means that the credit value of Sesame will be affected and personal credit will be adversely affected; Therefore, don't think that borrowing a garden is a trivial matter. Now many loan platforms pay great attention to users' sesame credit scores. Some loan platforms clearly stipulate that sesame credit scores are not up to standard and will directly refuse loans;

2. The corresponding overdue interest shall be collected daily at 0.05% of the outstanding amount in the current period;

3. If the overdue amount is too large, it will be urged by Alipay staff.

Second, the reasons for the reduction or closure of flower bud lending:

1. Frequent self-credit information authorizes various online loan products, leading to an increase in their risk rating, which leads to a decrease in the amount of flowers or loans or direct closure.

2. Repay in advance. There are different opinions about prepayment. Some people say that the amount of prepayment is getting higher and higher, and some people say that the amount decreases after prepayment. It is still the essence of borrowing, and the more people who are not short of money, the higher the amount.

3. Overdue and bad credit information. In this era of big data, especially borrowing, flower buds and credit card products, all lending institutions will regularly check your personal credit information. If there is a problem, it will definitely lead to a decrease in the amount (chain products such as borrowing and flower buds will also lead to a decrease in the amount after the expiration or the loan cannot be made).

4. Repayment habits. Nowadays, young people are heavily in debt. They didn't have a meeting to get more credit cards and borrow more online loans. The risk of personal debt flows in banks like a parcel. Although everyone earns interest, no one wants to be the last person to take over, otherwise the interest earned will not be enough to resist risks. A good repayment habit is never to borrow the old and return it to the new. This is like robbing Peter to pay Paul. Never pay the minimum repayment all the time, otherwise the system will evaluate the risk level of each account.

Iii. 202 1 new rules:

1, account login. According to the new regulations of Alipay, in order to ensure the safety of users' funds, users are advised not to change their login phones frequently. If the user's Alipay account is frequently logged in, in order to control risks and ensure the safety of funds, Alipay system may choose to directly freeze the user's account amount and loan function.

2. The account number is abnormal. In addition to frequent login account, users had better not change the bound mobile phone number frequently. In 202 1, in order to better protect users' privacy and information, if the account status is abnormal, the login device changes frequently, and the binding number changes frequently, it will be judged as abnormal use by Alipay system. Alipay system will freeze the user's loan and expenditure accounts at the first time.

3. About scoring. If the Alipay system detects that the user uses the merchant's flower buds to collect money for the purpose of withdrawing cash and brushing points, it will directly close the user's flower buds function and reduce the user's sesame credit score. If the sesame credit score decreases, the user's loan will also be closed directly.

4. Unreasonable accounts. It is also clearly stipulated in the new regulations that the newly registered Alipay account will be directly deactivated if there is no transaction record within 6 months. If multiple Alipay accounts correspond to the same mobile phone number and it is unreasonable, such accounts will also be deactivated.

5. Transfer management. For all Alipay accounts, the single-day transfer record cannot exceed 100, and the single transfer amount remains unchanged. The single limit is 50,000 yuan and the single-day limit is 200,000 yuan. Different bank cards can transfer different amounts. You can click "Limit Description" on the transfer page to view the details.