Borrowing money from Alipay and WeChat frequently, but not overdue, will it affect the credit investigation?

If you borrow money from Alipay or WeChat, there is a difference between Alipay and WeChat. First, WeChat borrows money, mainly from friends. If a friend borrows money, that friend will usually pay it back to that friend. Of course, Alipay is different. If Alipay doesn't borrow money from friends, it will only be ordinary loans or flowers. These, Alipay has that credit score. If you borrow money, there is no overdue. Generally, if the repayment is overdue, if it is not repaid in advance, it will be overdue for one month or not, or it will not be repaid for a long time. Alipay platform lends money to Hua Bai, and Alipay platform will send text messages to remind users to repay as soon as possible. If the user receives the short message, there is no obligation to repay the short message. If the user borrows more than 200,000 times, or more than 50,000 times, within one year, if there is still no repayment, a text message will be received at this time. Because of the overdue repayment for many times, Alipay will sue the court to complain, which is similar to borrowing money and not paying it back. If the court decides not to pay it back many times, he will definitely put that person on the list of dishonesty and limit high consumption, such as hotel flights, as well as common loans from hotels, restaurants and these banks. There is also a temporary freeze on asset exchange, goods, bank cards under one's name, a temporary freeze to limit high consumption, and a house for auction to repay the loan of Alipay platform. In addition, if WeChat borrows money from friends, it also needs to be paid back. If you can't repay it, you can directly sue the court. It will also become a dishonest old lai and will also restrict high consumption. Similarly, it can't buy a house, and it can't pay back. If the borrowed money is overdue, it is probably because of repayment. For example, after the first day of repayment, if you forget to repay, it is one day overdue. If the credit score does not change within ten days, such as a month or a year, the branches of this credit information system will change. If the repayment is not made in time, there may be complaints. Send text messages to remind users to repay. It is generally unlikely to repay in advance. None of these will exceed. Users can repay directly if they are overdue for ten days or a few days, mainly if they borrow money from a third-party platform, and the reminder can't be overdue for more than one year. If it is more than one year, Alipay will send a text message to remind users that if they borrow money from WeChat, WeChat will send a text message to repay it. If they don't pay the loan all the year round,