Did I really get the default message from Bai Hua?

If it is really overdue, you have to take it seriously. The message is real. I suggest you call Alipay first to verify it. 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 that you can shirk it, and you will be with me all your life. After a long waiting period, interest will continue to rise. When it reaches tens of thousands, they will sue if you don't pay it back. At that time, they may sue for fraud. If you have the ability and little money, you might as well 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 number limit does not constitute a criminal offence, but if it is brought to 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's loan is overdue, 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; So, don't think it's a trivial matter to borrow a flower bed. 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 buds:

1. Frequent self-reporting authorized various online loan products, which led to an increase in their risk rating, which led to a decrease in the amount of money spent 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, while others say that it will decrease after prepayment. It is still the essence of lending. The less people are short of money, the higher the quota.

3. Overdue and bad credit information. In this era of big data, especially lending treasures, 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 quota (chain products such as lending treasures and flower buds will also lead to a decrease in the quota or will not be lent after the deadline).

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 is not enough to resist risks. A good repayment habit is never to borrow the old and return the new. This is like robbing Peter to pay Paul. Never pay the minimum repayment all the time, or 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, Alipay system may choose to directly freeze the user's account amount and loan function in order to control risks and ensure the safety of funds.

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

3. About scoring. If Alipay system detects that users use merchants' flower buds to collect money to cash out and brush points, it will directly close users' flower buds function and reduce users' sesame credit score. If the sesame credit score decreases, the user's loan will also be directly closed.

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, which 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.