Excuse me, call an emergency contact for a few days overdue.

How long will Alipay call me when it is overdue? My contact just called.

Alipay will call if it is overdue for more than three months.

It is polite to receive flowers, and it will not directly explode the address book in the early stage. Usually it will be more than three months overdue before calling home one after another. If it doesn't work at this time, it may be listed as a bad debt for more than half a year, but it is also equivalent to giving up Alipay, because long-term overdue will lead to high account risk.

Credit business can't be handled except consumption. Alipay is a relatively formal Internet lending platform, so it will not be as violent as usury and routine lending. However, if it is overdue for a long time, there may be telephone bombing and address book explosion.

Extended data:

Alipay overdue introduction is as follows:

For users who are overdue for more than one month, Alipay will call to remind them of repayment. When you make a phone call, you can think that Alipay has entrusted a third-party collection company. If users use their mobile phone numbers or turn off their phones to escape, Alipay will contact people in the address book.

Alipay will freeze Taobao Alipay. Generally speaking, it is not impossible to use Alipay, but after freezing, funds can only enter and exit Alipay; If the user has not paid back, Alipay will send a reminder by email.

The borrowed flowers have been overdue for several days.

Ctrip's borrowing time is generally less than one month, and the platform will send SMS reminders and collections; If the borrower still refuses to repay the loan after 1 month overdue, he will contact his family for collection. In addition to collection, the amount of overdue repayment will also be charged the corresponding penalty interest. Borrowing flowers is the product of Ctrip Finance. Enter the credit investigation of the central bank. After borrowing money, you must repay it on time, otherwise it will be used for credit investigation. As for the credit information that will be overdue for a few days, it depends on whether the platform has a grace period. Once overdue, the consequences will be very serious. As a consumer credit loan of Ctrip Finance, borrowing flowers will check credit. The credit record on the credit report will show that in addition to the basic information such as the name of the lending institution, loan type and loan amount, the monthly repayment situation will also be reported, and a bad credit record will be generated after the deadline. However, the loan has a three-day grace period, that is, if the debt can be paid off within three days after the repayment date, it will be regarded as normal repayment, that is, if it is overdue on the fourth day, it will be reported to the credit bureau.

Borrow flowers

Borrowing flowers is a personal consumer credit service product launched by Ctrip Finance in conjunction with major financial institutions. There is no service charge for loan repayment, no mortgage guarantee, and active repayment and automatic repayment are supported. Users need to pass the comprehensive evaluation of the system when applying for loans. Users need to repay the loan on time when using it. Timely repayment is a sign of good credit behavior. If the user's loan is seriously overdue, it can report the overdue situation to the credit information institutions such as the Credit Information Center of the People's Bank of China, which will affect the user's use of the loan and the credit card service provided by the bank. Ctrip Finance, namely Shanghai Ctrip Financial Information Service Co., Ltd., was established on 2065438+20041October 9, and its headquarters is located in China-Shanghai Pilot Free Trade Zone. Shanghai Ctrip Financial Information Service Co., Ltd. is mainly engaged in investment management and computer technology development.

How long does it take to borrow the address book?

Usually it will be reminded within one week after the deadline, and it will explode two weeks later. If the address book is exploded, you can try to deal with it like this:

(1) Actively negotiate with the collection. Negotiation is skillful. First of all, you have to repeatedly show your willingness to repay, so that the other party can rest assured that you are not the kind of person who grabs "Lao Lai". But it is really unable to repay at present. After that, you need to give the other party a clear repayment schedule according to your real situation. In fact, as long as the online loan company determines that you have a positive willingness to repay, it will give you accommodation time.

(2) When repayment is made, it must be returned from one platform to another, and then from the next platform. If you choose each platform, it will be even less, especially those who borrow from multiple platforms. I am afraid that even the interest will not be paid, so you will never be able to pay off your debts.

(3) Do a good job of preventing the address book from being exploded. Exploding the address book is indeed a very malicious move, and there is no particularly good way at present. However, if you are worried that the other party will explode the address book, you can imitate the following template and give the relatives and friends of the address book a vaccination in advance:

In the face of the pressure exerted by the collector after the credit card and online loan are overdue, just ignore it. This is the most effective way to avoid mental injury caused by collectors. If you are indifferent to him, he can't hurt you. It is important to keep a good attitude after the expiration. Only in this way can we face the debt crisis with a peaceful attitude.

At present, most online lending institutions are not qualified to report the overdue records of users to the central bank for credit information, and can only publicize the overdue user information. Over time, big data on online lending credit information has been formed in the industry. Online loan big data can clearly reflect users' recent online loan applications, whether online loans are repaid on time, and whether identity information is in doubt. Search: Lan Bing data, you can see a large part of the data of online lending institutions, so the vast majority of online lending should be based on big data.

If you are blacklisted, there is a high probability that the online loan will be rejected. You need to know the reasons for your blacklist according to the report; The more records of online loan applications and institutional inquiries, the more big data, indicating that funds are tight recently, and online loan platforms can easily determine that you have no repayment ability and online loans are rejected.