Ant flower, how much penalty interest will it generate if it is overdue for one day?

Ant flower bud is one of the mainstream means of payment for young people now. Do you know what happens when ant flowers are overdue?

Ant Flower Bud is a consumer credit product launched by Ant Financial. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. Users can advance the amount of ant flowers when spending, and enjoy it? Consumption first, then payment? Shopping experience. If the current repayment amount is not paid off before the repayment date, the corresponding overdue interest will be generated. ?

If the payable amount of the current period is not paid off before the repayment date, corresponding overdue interest will be generated, and the overdue interest will be charged at 0.05% of the unpaid amount of the current period. Failure to repay the flower buds on time will not only lead to overdue fees, but also affect the sesame credit score and the later use of the flower buds. Serious overdue will affect personal credit records.

As long as the ant flowers are overdue, no matter how many days they are overdue, there will be overdue interest. Generally speaking, a day overdue has little effect, just pay overdue interest. As long as it is not often overdue, it has no effect on personal credit. As long as the arrears are paid off, you can continue to use flowers.

For example: for example, you wanted to pay 10000 on June 5438+00, but only paid 5000 before June 10. Repayment on June 18+04, resulting in overdue interest 10 yuan (formula: 5,000 yuan 0.05%? 4 days).

The overdue collection method of ant flower buds reminds users to repay by SMS, automatic voice and other means. Within 9- 13 days after the repayment date. If the user fails to repay the loan, a manual telephone reminder will be given after 13 days. If the amount is large, the situation of repeated telephone contact is declining, reminding users to repay by contacting relevant personnel.

The consequence of ant flower buds overdue is 1, resulting in overdue fees. That is, overdue penalty interest. Like credit cards, overdue fees charge interest at the rate of five ten thousandths per day, but unlike credit cards, overdue fees charge interest at the rate of five ten thousandths of the outstanding amount. Some banks charge full interest on their credit cards. Simple delivery means interest, and the longer the delay, the higher the interest.

2. It may be included in the personal credit record. This is more important. Although there is no exact information at present, if the flower is overdue, it must be included in the personal credit record. But last time, Hao Ying, director of consumer credit of Ant Small and Micro Business Department, introduced it? If it is maliciously overdue, it will fall into the central bank's credit information system? . In other words, users who deliberately default on repayment, with a large amount and a long time of default, may be included in their personal credit records in the future. And bad credit records will affect users' loan and credit card applications.