1688 Cheng e credit overdue mobile phone does not know how to repay, what to do

Please contact Alibaba customer service to deal with this issue, Alibaba customer service: 4008001688 (service hours: Monday to Sunday 8:30 18:00) Alibaba Chinese station**:

Alibaba Credit is a financial service provided by Shangrong (Shanghai) Commercial Factoring, a subsidiary of Ant Financial, for sellers and buyers in credit sales and purchase transactions. Users have the following two repayment methods after using Alibaba credit:

1. Automatic repayment when due.

This method of repayment does not require us to think about how to repay the loan. After expiration, the Alibaba platform will automatically pay the fee in the Alipay or bank card you bind. We just need to leave enough balance in the Alipay bound by ourselves.

2. Early repayment.

1. First open Alibaba** and log in.

2. Find "Buyer Center" in "My Alibaba" and click to enter.

3. Then click "Financial Services" in the left menu bar to enter the "Financial Services" page.

4. In the "Financial Services" page, scroll to the bottom of the page, and then find the order we need to repay in advance, and click "Pay Now" to enter the repayment interface.

5. Click the "Go to Alipay payment" button, and you will be guided to repay with Alipay or the bound bank card. If the balance in Alipay is insufficient, you can recharge in advance or pay with another bank card.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

There is a 30-day free account period. After the account period expires. The system will deduct the Alipay account from the buyer's transaction. Make repayments.

Extended information] 1. How to repay Alibaba Cheng e-credit?

1.Voluntary repayment.

In fact, active repayment, we can also call early repayment. After the buyer confirms the receipt of the goods, they can start repayment. Until 12 noon on the day of the expiration of the account period (2 hours in advance of the repayment date), buyers can log in to Alibaba's official website, select Buyer Center, find Cheng e Credit in My Rights, click Use Now, and you can see the order details of Cheng e Credit.

Select the order that needs to be repaid in advance, and you can make a repayment.

2.Automatic charges.

On the day of repayment, the system will automatically deduct the amount from 14:00. Cheng e credit Alipay deduction order:

Balance - > bank card bound to Quick Payment - > Yue Bao, please make sure that the repayment account has enough amount for automatic deduction by the system. Since some Alipay may have a balance payment limit, it is recommended to deposit the repayment amount into Yuebao to complete the automatic deduction of the system.

2. What is the difference between credit and credit?

1.Credit is a financial service provided by Ant Financial for buyers and sellers in credit purchase transactions, while Cheng eCredit is a financial service launched by 1688 B2B Honest Finance.

2.Regarding the account period, the account period of credit is calculated from the date of confirmation of receipt by the buyer, the 1st of the next month is the bill date, and the 5th of the next month is the buyer's repayment date, while the account period of Cheng e credit repayment is from the date of confirmation of receipt by the buyer, the 1st of the next month is the bill date, and the 8th of the next month is the repayment date.

3.Regarding the early repayment of the buyer, credit can only support early repayment on the 1st-4th, while Cheng e credit supports early repayment as long as the order is confirmed and received.

4.Regarding the seller's collection, credit can only receive the payment on the 5th of the buyer's repayment date, while Cheng e credit can receive the payment as long as the buyer repays. In addition, for the buyer's overdue repayment after the seller collects the payment, credit can receive the payment on the 5th of each month, and Cheng e credit will be systematically assessed within three days from the 9th to the 11th, and if the conditions are met, the insurance company will pay the seller, and the payment will be received on the next day (working day) on the 11th at the latest (if the order is judged to be a false transaction, the insurance will not pay the claim).

5.Regarding the service fee, there is no service fee for both credit and e-credit buyers, but a service fee is charged to sellers (from June 14, 2019 to September 13, 2019, sellers can use the "credit service" for free). However, for overdue repayment, the difference is that the overdue repayment of the buyer on credit will incur a penalty of 5/10,000 per day of the overdue, and the overdue repayment of the buyer on credit will not incur liquidated damages for the time being, but it will have an impact on credit.

Cheng e credit can be repaid in two ways, one is automatic repayment, and the other is early repayment. Users can choose the appropriate repayment method according to their own situation.

The specific repayment steps are as follows: Automatic repayment: In this way, users do not need to consider how to repay, but only need to leave enough cash in one of their self-congratulating balances, bank cards, and Yue Bao to ensure that the deduction is successful.

Under normal circumstances, the system will automatically deduct the payment from 14:00. In the order of deductions, the balance is the first, followed by the bound bank card, and finally the remaining treasure.

In this repayment method, there is no need for external intervention, and the user only needs to keep enough deduction balance to automatically repay.

Early repayment: First of all, the user uses the computer to open Alibaba** and enter his own password. Log in to enter, find "Buyer Center" in "My Alibaba" on the page, and click to enter.

Secondly, click on "Financial Services" in the left menu bar, and enter the "Financial Services" page with Kai. In this page, we scroll to the bottom of the page, and then we can find the order for early payment. Click "Repay Now" to enter the repayment interface, in this page, the user clicks the "Pay to Alipay" button again, and you will be guided to repay with Alipay or the bound bank card.

At this time, if the user's Alipay balance is insufficient, you can recharge it first, or use the bound bank card to repay.

Alibaba. The arrival time of Cheng e-credit is 30 days after waiting for the buyer to confirm the receipt of the goods, and you can apply for early payment. The normal time for the payment is that the buyer will not receive the account until the repayment is completed on the 8th of each month.

30 days after the receipt of the goods is confirmed, the seller needs to apply for early payment. It should be reminded that sellers who open the Cheng e-credit service need to pay a certain handling fee, and the handling fee will be charged according to the order amount.

Extended information: 1. Integrity pass.

It is a booth built on Alibaba, through which it can be sold directly in Alibaba, the world's largest market.

your products, and advertise your business and products. It is mainly used to solve the problem of network ** credit. Tailored for growing businesses to provide a robust service.

intelligent e-commerce services such as business advisors; Based on Alibaba's online marketplace, it provides basic network services such as website building, priority display, and exclusive buyer information; Establish integrity files, provide credit inquiry and integrity protection services for enterprises; Provide enterprises with exclusive services such as procurement, logistics, and loans.

Second, the integrity of the seller to carry out network marketing.

The online store can publish product and purchase information, make full use of network marketing products, and enjoy various priorities in Alibaba's market: information ranking high, exclusive buyer information, free use of ** contact and customer management tools, etc. Strong brand The world's largest online market, 2005 Chinese Academy of Social Sciences.

According to the report, Alibaba accounts for the B2B market share; Massive buyers There are 4.87 million registered buyers on Alibaba, and the fresh procurement information is updated every two hours, which is only open to Chengxin Tong members; Value Effect New inquiries are added every month.

3.43 million; For every 1 piece of information released by members of Chengxin Tong, they can receive an average of 6-7 pieces of buyer feedback! Alibaba has 4.87 million registered buyers and 39.49 million daily visits. Nearly 800 large buyers around the world have been using Alibaba for long-term procurement, covering more than 30 industries.

Once a week, a special procurement session will be held from time to time for popular industries Procurement information is updated every two hours, Alibaba procurement opportunities are rich and fresh, Alibaba sellers are complete, and the industry regional small market is presented online.

Cheng e-credit currently does not support installment repayment, nor does it support deferred repayment, there is no so-called repayment grace period, the repayment date will be deducted from the buyer's transaction Alipay The corresponding payment amount. From the date of the consumer's order, there is a 30-day free repayment period, Cheng e credit is divided into two repayment methods, automatic repayment and early repayment when due, if the consumer does not repay on time after the expiration will generate interest.

There is no grace period for repayment on credit, that is, the repayment cannot be deferred, and penalty interest will be generated after overdue repayment, and the longer the time, the more penalty interest, and it will be uploaded to the credit information center after the overdue date, personal credit.

After the deterioration, it will affect the subsequent processing of various loans, such as car loans or housing loans. After the overdue repayment, the platform will collect until the user returns the payment. Cheng e credit should be returned in time after the credit is overdue, because it will be kept on the credit report for 5 years after returning, and it will automatically disappear after 5 years.

If the arrears have not been repaid, it will always be recorded on the credit report and will never disappear. Follow-up Cheng e credit can not continue to use.

The conditions for buyers to open Cheng e-credit are as follows:

1. Be a registered member of Alibaba China and have passed the valid identity authentication recognized by Alibaba China (i.e., the existing various certifications);

2. The binding is authenticated by real name.

3. Meet the guarantee insurance access conditions provided by the cooperative insurance company introduced by the "Cheng e Credit Service";

4. Meet the requirements of the comprehensive score of Alibaba China Station;

5. The buyer meets at least one of the following conditions:

1. Open Alibaba China Station "Integrity Pass".

Half a year or more, =2;

2. Open Alibaba International Bridge Guess Station.

"China's leading business" has served for half a year or more;

3. Have opened a store on ** online for half a year or more, and the seller level is at the diamond level and above;

4. Open a store on Tmall for half a year or more.

6. The total number of false transactions and low-quality transactions on Alibaba China in the past six months accounted for <10%;

7. The cumulative deduction points for violations shall not exceed 36 points, and there shall be no serious infringement of intellectual property rights.

8. Other conditions that Alibaba deems necessary to be met.

Cheng e credit service is free of charge to buyers, open Cheng e credit service, but there is no Cheng e credit order, slow Hui does not charge a handling fee, Cheng e credit order, after the buyer confirms the receipt, the policy generation will generate a fee, the system will deduct the corresponding service fee from the seller's Alipay, service fee = the amount payable when the order is confirmed to receive *. If you choose which type of pre-payment you choose, you will also need to pay a fee for early payment.

Operating Environment: Brand: Apple 12

System version: iOS14

Cheng e credit is a product of the Alibaba platform, which can allow buyers to "consume on credit" and enjoy a 30-day free account period, which is generally very convenient and affordable. But what if the buyer doesn't repay the loan? In fact, there is still a way to solve it, so let's solve your doubts.

1. What should I do if the buyer does not repay the loan?

If the buyer does not repay the loan, then the platform will arrange for the insurance company to make a compensation advance. I learned that there are two insurance companies that cooperate, Ping An Insurance and Sunshine Insurance, and the insurance companies bear the arrears and will not cause losses to the merchants. At the same time, if it is determined that the buyer is in bad faith, he will need to bear the relevant penalties.

2. What are the consequences of non-repayment by honest e-credit buyers?

1. Account freezing:1688 will decide whether to freeze the account of the buyer on credit according to the buyer's situation, and will not allow it to be used again in the future.

2. On the credit report:Because the insurance company is the one who advances the money, in order to recover the arrears or punish the buyer for dishonesty, it is very likely to choose to upload its situation to the credit report of the central bank, leaving a credit stain.

3. Reduce sesame seedsIf the buyer does not repay the arrears, he has violated the contract, and the background will definitely reduce the sesame points, and it will be difficult to borrow money on the Alipay platform or other financial institutions in the future.

The above is about "What should I do if the buyer does not repay the loan?" I hope it will help you, and it needs to be emphasized again that although the arrears are not advanced by the insurance company, the overdue behavior will always accompany the buyer, so it is recommended to repay the loan on time and not lose a lot because of a small loss.