I owe Alipay 5000 for three months. He sent a text message saying that he had reported the case to the public security organ. Will I be punished?

The amount owed to Alipay 5000 is overdue for three months, the division of overdue liability, the stop loss caused by overdue, and whether the contract will continue to be performed. Overdue cases related to people's livelihood, such as car loans and mortgages, will generate interest, liquidated damages and bad credit records, and will be seriously prosecuted and imprisoned by relevant units or legal persons, natural persons and even courts.

The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.

Extended data:

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

Credit cards have two concepts: billing date and repayment date. Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.