Why is Alipay overdue? Why is texting a consumer loan?

You did send a short message to Bai Hua. If your Bai Hua loan is overdue, Alipay will send you a circular letter, and you need to repay it as soon as possible after receiving the circular letter. I suggest you settle the arrears quickly, otherwise it will have a serious impact on your credit information, and there will also be penalty interest and liquidated damages.

If the overdue amount of Huayuan users is relatively large, after repeated collection by Huayuan, the overdue users still refuse to repay. Then, if necessary, Bai Hua can recover the arrears from users through legal channels. Just like the well-known malicious overdraft of credit cards, Bai Hua users may have to bear criminal responsibility for overdue.