What is the impact of late payment of Alipay flower buds?

I have experienced it personally, and it is more than half a year overdue. Two or three days ago, Alipay customer service will call you to remind you to repay. If you don't pay it back for a week, you basically call once a day. In a month or two, Alipay will call you a "legal person". To put it bluntly, it is to scare you! One thing is that they won't call your relatives and friends if they can contact you in person. In short, don't disconnect and don't answer the phone. Everything can be settled through negotiation. Finally, I remind you from my personal experience that if you borrow it, you must pay it back. You can't find a way to return it. It's best not to expire. After all, flowers are really on credit. Don't let a little money affect your credit. Credit information is priceless!

So far, I haven't used Father Ma's flowers. I am a typical person who is divorced from society. But it doesn't mean you don't know anything about borrowing flowers. At least you know that both of them are borrowed products. Since ancient times, it is natural to pay back debts. If it is overdue, it will definitely lead to a series of problems.

First, every three days, you will receive a text message or a phone call from Ma Dad, or a debt collection company, which will directly cause you trouble, or your relatives and friends will also receive a debt collection phone call, which will bring trouble to your relatives and friends.

The second is that integrity will be affected. In the era of big data, whether you owe money in the banking system or have overdue repayment records in various lending companies, it will have a negative impact on your integrity. If it is serious, it will directly limit your consumption in one aspect, or you will not be able to continue lending in the banking system in the future.

The ancients all know that it is natural to pay back debts, so we should not be debtors like the ancients, although debtors are uncles now, after all, uncles are not good.

First of all, borrowing money is a credit report. If it is overdue, it will be reflected in the credit report. If it's once or twice a few days late, it doesn't matter much. If it is habitually overdue or overdue for a long time, it will seriously affect the credit report. If you borrow money to buy a house or apply for a credit loan in the future, you will become a black household and may be sued, and then limit high consumption. You can't go abroad. Children can't go to private schools. Then if they join the army, go into politics, and take an examination of a civil servant in the future, the political examination will be difficult, and they must not become black households. Moreover, once they sue you and the court executes the case, there will be no money in your bank card. Money can be deducted, and Alipay WeChat cannot exceed 100 yuan. If you retire, you can also deduct it until the debt is executed. Then tell me. Generally, after the deadline, the company will call you for a few days and send a text message to ask you to pay back the money. If you can't get in touch or don't return it, he will call your emergency contact and ask your relatives and friends to contact you. If it is not returned for a long time, it may be handed over to a third party for collection. If not, it may go to the prosecution stage, but it also depends on how much money you owe. If it's hundreds or thousands, it's not. But the credit information is black, so if you really have no money, try to communicate with the company to get rid of the penalty interest, and then you can slowly repay the principal in installments. Don't ignore it, after all, the debt you owe will be paid back sooner or later [laughs].

Generally speaking, the short-term overdue of flowers and loans has little effect, and timely repayment of arrears is enough. However, if you don't pay it back for a long time, I suggest you change this idea in time. Alipay system and collection company are very powerful, and you can find your corresponding information, and your life may be greatly "changed". Of course, if you are really unable to repay, I suggest you explain the situation to Alipay customer service and strive for a "buffer period". We can negotiate. After the deadline, contact Alipay customer service to apply for deferred repayment, and don't contact for collection. They have no right to do this for you.

After the phone call, explain the reasons for the difficulty in repayment, and need to negotiate to postpone repayment. If you agree to negotiate, you will be asked to provide some auxiliary information, such as proof of income.

The customer service said that it can be extended for up to two years, and the online merchant loan amount can be extended for three years. After agreeing to the plan at that time, you need to ask the customer service whether to reduce interest once it expires, and keep records.

The next step is to make money, open source and reduce expenditure. When the money is ready, you can contact customer service and pay it back after reduction or exemption.

Of course, even if the platform has a negotiation policy, we may not be able to negotiate. After all, the arrears are relatively repaid, and the successful negotiation after the deadline means that the platform will compromise on interest and repayment time, so it will set a threshold and make the negotiation more difficult.

Even if you want to negotiate, you must think clearly about what you will face besides the platform policy.

1. First of all, your credit report will be hacked. For example, after the negotiation plan with zfb is reached, it will be postponed for 1 year. In the meantime, your credit report will be consistent with your bill, and it will not expire until you pay off your debt.

2. During the extension period, the interest will still be calculated at 0.5 ‰ per day. Of course, when the repayment is due, you can negotiate with the platform to reduce the interest, which can generally reduce the interest by 60%-80%. In other words, during the extension period, you need to bear about 20%-40% of the total interest (this is the proportion of interest, not the proportion of total arrears).

It is time to delay the repayment, but it may still be overdue. If you encounter this situation, you can negotiate again, but generally you need to pay half before you can apply, which is difficult to negotiate. Therefore, during the extension period, you should save money and be prepared to avoid not paying it back after the expiration.

4. If the overdue time is too long, the payment instruction has been received. At this time, we can't negotiate an extension, we can only make money.

Everyone's situation is different, and it is necessary to judge whether it is necessary to give up credit information and negotiate according to their own situation. If your repayment ability is too different from your total debt and you really can't raise funds in a short time, then you have to negotiate. If you don't owe much and haven't confessed to your parents, you'd better put down your face and ask your family for help. After all, credit information has an impact on getting married, buying a car and buying a house in the future.

Author: Heng Yi "Landing Notes"

I don't know if it's expired, but people will deduct it themselves!

What if I can't repay it?

1 trick: apply for deferred repayment and see if there is an application entrance for deferred repayment behind your due bill. If so, apply quickly and try not to become overdue.

The second measure: try to repay by installments or the minimum repayment amount. Hua Bai can apply for installment repayment, and some people can also apply for the minimum repayment amount, so that the repayment amount in this period will be less, and it will not become overdue repayment, and you can also keep your own credit information.

The third measure: pay back the money you should pay back and reduce your living expenses, thus reducing the money you should pay back in the flower garden, and then quickly use your savings to pay back the disaster relief money.

The fourth measure: find family members or relatives and friends to borrow money for turnover, explain your difficulties to your family, and ensure that it will not happen again. Borrow some money to pay off the debt first, and then try to earn money to pay back to your family or friends.

The fifth measure, if you find that your flower garden owes money but has no money to pay it back, you can also go to customer service for consultation. It's best to call Alipay's official phone number to explain that you are temporarily unable to repay, and see if you can apply for a personalized repayment plan.

The influence of borrowing flowers without returning them!

The first consequence # faces the risk of being sued, even going to jail. It's easy to borrow money in Bai Hua, and it's also convenient to pay back the money, but some people who don't know how to do it are unwilling to pay back. A netizen didn't pay back the money on time when he should have spent it. As a result, one day he suddenly received a short message, which read: Contract breach, termination of the contract, and demand full repayment. Simply put, once the money is overdue, it will receive a subpoena from the court. Users who maliciously fail to repay the loan within the time limit will be prosecuted to the court. After the judgment comes into effect, they can apply to the court for enforcement, or they may go to jail.

The second consequence # affects Sesame Credit and China People's Bank. Flower buds are a heavy product of Alipay. Once the flowers are overdue, the sesame credit will also decline accordingly. The decline in sesame credit score will affect the use of various privileges, such as free bicycles, free charging treasures and free hotels. Once the flower buds are maliciously overdue, they will be reported to the credit information system of the People's Bank of China. Once reported to the credit information system of the People's Bank of China, they will be restricted from taking the high-speed train, which will not only restrict their travel, but also restrict their children from going to school and affect all aspects of their lives.

The third consequence # affects future loans, employment and other issues. When someone doesn't pay back the money owed to the ant flower bud, Alipay will start to collect it and call your relatives and friends to ask you to pay back the money. If you still don't pay back the money, you will go through legal procedures. Once you go through legal procedures, it will affect future loans and employment problems. Because this is a matter of personal reputation, no matter where you go, personal reputation is a movable "business card". If it is overdue, it will not only charge high interest, but also show in the records of credit reporting agencies such as Sesame Credit that it will not be able to apply for any loans under Ant Financial, including ant borrowing and online merchant loans.

At present, these buds are all collected at the meeting. Once overdue, they will call for repayment, and some will call your home for repayment. Then I'll add interest to the overdue amount. If it has not been returned, it will affect the credit investigation. If you can't do high-speed rail, airplanes or loans in the future, you will be a black household. Therefore, it is necessary to return the credit line on time. Now science and technology are more and more developed, and they all rely on their own credit to survive. If you borrow money from a bank and don't pay it back, all banks know it. Because of this credit investigation, it was credited to China People's Corporation. A person without integrity can hardly survive wherever he goes.

Although there is a loan amount, it depends on your repayment ability. Don't borrow endlessly. If we don't advance, it will be very troublesome. There are some illegal online loans. If you can't repay the money you borrowed from him, he will have many unreasonable demands. Especially today's young people, we should earn as much as possible and spend as much as we can. Otherwise, a credit has a black spot, and it will take six years to change, which is very troublesome. In addition, your own credit information should not be too expensive, and you should try not to lend if you have the ability. Otherwise, it will be difficult to grant large sums of money in the future.

In short, credit reporting is an important condition for survival now, and it must be protected.

These functions of Alipay were originally designed to facilitate our life, but after you use them, you will find that it is very simple to apply for these functions, but once you use them, you will find that you can't control your desire to buy. Once you overdraw, sometimes you want to pay it back in installments, and you can definitely pay it back slowly. But sometimes I forget to return it when I am busy with my work, or I have filled the hole before I get paid. You can watch others have money to spend, envy them when they have no money, and even have the idea of not paying back the money. Over time, you will be blacklisted by Alipay, even linked to credit reporting. It's too late to regret. The best way is not to open this function and not to apply for a credit card. Credit investigation is very important now. I hope everyone will stay away from these functional products linked to credit reporting under the guise of credit cards. These products bring not convenience, but the abyss of desire.

The impact on credit reporting may involve financial aspects in the future, which is not worth the loss.

No quota available [tears]