Hello dear, I have been deducted by the bank yesterday and borrowed it, but it has not arrived yet

With the increase in the number of Alipay users, there are more and more users who open borrowing. In order to ensure that the repayment is made on time and does not affect the personal credit investigation, the repayment method of borrowing has always been one of the most concerned issues for borrowers.

There are two ways to repay the loan: regular repayment and early repayment.

1. Repay on time: recharge enough amount to Alipay before 12 o'clock on the repayment date (Alipay balance and balance treasure are supported), and the system will automatically deduct it on the same day;

2. Early repayment: You can go to Alipay on your mobile phone - [Ant Borrow] - click on the home page [Go to Repay], select [Early Repayment] in the loan record, and follow the prompts on the page.

Users can make monthly payments on the monthly payment date according to the repayment plan on your page.

Among the reliable big brands on the market, in addition to borrowing, Du Xiaoman Finance's money is also a good choice. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan is as low as 2 yuan a day, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers.

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.

The bank deducts the fee on behalf of the social insurance department, and then the social security department transfers it to your personal account after the fee is transferred to the special account of the medical insurance, so there is a process that takes time, and it should be half a month at most.

If you set up automatic repayment when you borrow, you will automatically repay it when the time comes, first of all, the money in the bank card will be deducted, and if there is no money in the bank card, the money in the balance treasure will be deducted. There is no automatic deduction, either it is a problem with your settings and you need to repay it manually, or it is not time to repay.

As long as the borrowing is not overdue, it will not have any impact, if the repayment is overdue, it will be collected by text messages, **, and you will have to pay multiple overdue penalty interest, and the overdue behavior will be reported to the credit system, so that personal credit will be damaged, and the consequences will be very serious.

There is a time requirement for automatic deduction of borrowing, and it will not be deducted 24 hours a day, and it can only be deducted once. The payment will be deducted gradually from 8 a.m. on the repayment day until 7 p.m. at night. If there is no sufficient amount of money in the repayment account, the borrower will not be able to deduct the money, and the lender will have to repay the loan manually.

The lender should first deposit into the repayment account, look for the borrower on the Alipay wallet web page, enter the borrower web page, click the button, select the payment method, type the transaction password to carry out manual repayment, and the repayment will be successful.

Since there is a buffer period for borrowing, it is also necessary to pay attention to manual repayment on the same day, and it must not exceed 24 o'clock on the day of repayment. For example, if the repayment date is the 20th of each month, the credit card statement date on September 5th, and the manual repayment before 24:00 on September 20th, it is not easy for the loan to be overdue, otherwise if it is 0:0 on September 21

It's too late to repay the loan at 00:00.

Extended Materials. What is borrowing.

"Current Name Credit Loan" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

On January 9, 2018, perhaps due to excessive leverage and violation of relevant regulatory regulations of the central bank, some users were voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrow. If the user does not manually repay the loan on the day of repayment, the system will automatically deduct the money on the day of repayment, and deduct the money from the default deduction order in turn**The current arrears, if the money is not enough, the deduction will fail. Will it affect the failure of the automatic deduction of the debit but the repayment on the same day?

As long as it doesn't exceed this time, it's fine.

Will it affect the failure of the automatic deduction of the debit but the repayment on the same day?

There is a time limit for automatic deduction of borrowing, and it will not be deducted 24 hours a day, and will only be deducted once. The deduction starts at 8 a.m. on the repayment date and ends at 7 p.m. If there is not enough money in the repayment account, the borrower will fail to deduct the loan, and the borrower will have to repay the loan manually.

The borrower should first deposit money in the repayment account, find the loan on the Alipay page, enter the borrowing page, click the button, select the payment method, enter the payment password for manual repayment, and the current bill will be settled after the repayment is successful.

Because there is no grace period for borrowing, you should also pay attention to the time of manual repayment on the same day, and it must not exceed 24 o'clock on the day of repayment. For example, let's say the repayment date of the loan is the 20th of each month, and the bill date is September 5th.

Manual repayment before 24:00 on September 20 will not be overdue, otherwise it will be late if the repayment is made at 0:00:00 on September 21.

As long as the borrowing is not overdue, it will not have any impact, if the repayment is overdue, it will be collected by SMS, **, and will also pay multiple overdue penalty interest, and the overdue behavior will be reported to the credit system.

The automatic repayment of the system fails, and the user performs manual repayment on the same day, which has no impact on personal credit reporting.

On the day of repayment, whether it is automatic repayment or manual repayment, as long as the repayment is successful, it is a timely repayment, and on-time repayment will not produce overdue records and overdue interest.

When the system fails to automatically repay, it usually initiates another deduction, and the user can wait for the system to deduct the payment again, so that there is no need to make manual repayment.

Or if the user is worried that the automatic deduction will be overdue, then the manual repayment operation can be carried out, and the system will not initiate the automatic deduction after the manual repayment is successful.

Both automatic and manual repayment can help users repay on time, and users can choose one or the other.

If the user wants to repay the loan in advance, he can repay the loan in advance before the repayment date, so that on the repayment date, the system will no longer deduct the payment.

In addition to being collected, personal credit will also be affected, especially online loans on credit, once there is such an overdue record, it will seriously affect the future handling of bank loans and credit cards. Even if the processed online loans cannot be used for credit investigation, they can also access big data. You can view your online loan history, overdue details, debts, untrustworthy information, and online loan blacklist in "Zhiyi Big Data".

Extended information: How to check your own online loan big data information records?

If you want to query online loan big data, you usually inquire at some private inquiry systems and third-party platforms.

There are a lot of private inquiry systems, and we should pay more attention to them when choosing, and choose those regular and large-scale institutions, which are generally used in the industry to do pre-loan review on the platforms of Beijian Quick Check, Xiaoqi Xincha, and Tongdun Data. Because small organizations are generally unreliable, if personal information is leaked, it can also cause security risks.

If you want to check the credit of the central bank, you can directly bring your ID card to the local central bank credit information center for inquiry; You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to the official website of the central bank directly on the computer to make inquiries.

The central bank's credit investigation and online lending big data are basically unrelated. If you apply for an online loan, you will mainly focus on big data and platform risk control; The application for bank loans and loans from lending institutions and platforms that are connected to the central bank's credit information system are mainly based on the borrower's central bank credit report.

Summary. I haven't borrowed money in repayment, why will I be deducted?

I applied for the quota but didn't use it.

Hello dear, the following is the relevant extension I found for you: when it is an advertisement, they will send a text message to the user's mobile phone, attract the attention of the user, so as to achieve the advertising effect, some users see it, they will apply for a loan, if you don't have a loan, you don't have to repay, and you don't have to pay attention. If you don't borrow money, the money is deducted for no reason.

Alarm handling can be selected directly.

For those who have a history of travel and residence in areas related to the local epidemic (areas for follow-up and mapping, dynamically adjusted according to the epidemic situation), they should take the initiative to report to the community and village where they are located after arrival, and conduct two nucleic acid tests (with an interval of 24 hours). 2.The epidemic situation changes in real time, and the policy may change accordingly, so it is recommended to report and consult with the community before coming.

3.If you are on your way back to your hometown, you can also consult in time if the epidemic situation changes.

Summary. Hello, the reasons for the failure of borrowing to the repayment date deduction + automatic repayment are as follows. One is that the balance in your Alipay or bound bank card is insufficient. In one is that your Alipay or repayment bank card is banned.

If the deduction fails on the repayment date + automatic repayment, what's not going on.

Hello, the reasons for the failure of borrowing to the repayment date deduction + automatic repayment are as follows. One is that the balance in your Alipay or bound bank card is insufficient. In one is that your Alipay or repayment bank card is banned.

On the 12th, the balance in the card was insufficient in the morning, and it was charged in the afternoon, and I wanted to take the initiative to repay it.

What did the active repayment say there.

31 days from the repayment date.

The voluntary repayment was unsuccessful and did not prompt you anything.

It has been suggested that this point is not going in.

It could be that there is a data conflict.

**How much. 1. Borrow manual customer service**service**: 95188 This is Alipay 24 hours**, you can call at any time, but the manual customer service is only at 8 o'clock - 24 o'clock in the evening**, and there is only automatic recording in the middle of the night, so it is recommended to call again during the day the next day.

Huabei, borrowing: 95188 to 2, borrowing the problem can be directly transferred by pressing 2.

Ant borrowing repayment date bai on the day of bai if the system does not.

If you have the right to maintain the bank card and other reasons, you may not be able to deduct the payment, and you can manually repay the loan by yourself.

Repayment operation process:

Hello bai, you can repay at any time, and you can only repay the dao on the repayment date, of course.

Don't overdue. Borrow, too.

You can set up automatic repayment by the system, and you can also support automatic repayment, that is, the arrears will be automatically deducted from the bound bank card or balance on the repayment date. In addition, there is money to spend to support early partial repayment, and the interest is calculated on a daily basis, which is very convenient. Hopefully, this answer will help you.

If there is no automatic deduction, you can repay the loan manually now.

Operation process: Enter Alipay and click "My", find the option of "Ant Borrowing", enter the Ant Borrowing interface, there is a "Repayment" option in the upper right corner, and then click "Loan Record" to repay according to the process.

Take the initiative to repay, and the automatic deduction may be suspended.

Hello, open Alipay - Huabei - repayment in the current month below - repay immediately. The repayment will be successful.

You can also take the initiative to repay the loan.

Summary. Hello dear! We'll be happy to answer for you; If you can repay the loan at any time, you can not repay it only on the repayment date, and of course, do not repay it on time.

You can also set up automatic repayment by the system, and you can also support automatic repayment, that is, the arrears will be automatically deducted from the bound bank card or balance on the repayment date. In addition, there is money to spend to support early partial repayment, and the interest is calculated on a daily basis. There are many reasons why the borrower cannot repay, and it is recommended that users first check whether the Alipay account status is normal, and then check whether the balance payment function is turned on, and then try to repay again.

Of course, if the automatic repayment fails, the user can also choose to repay the loan actively. Usually after the repayment is successful, the system will not make a second deduction, if there is a second deduction, please feedback to Alipay customer service in time.

Hello dear! We'll be happy to answer for you; If you can repay the loan at any time, you can not repay it only on the repayment date, and of course, do not repay it on time. You can also set up automatic repayment by the system, and you can also support automatic repayment when you have money, and the arrears will be automatically deducted from the bound bank card or balance on the repayment date.

In addition, there is money to spend to support early partial repayment, and the interest is calculated on a daily basis. There are many reasons why the borrower cannot repay, and it is recommended that users first check whether the Alipay account status is normal, and then check whether the balance payment function is turned on, and then try to repay again. Of course, if the automatic repayment fails, the user can also choose to repay the loan actively.

Usually after the repayment is successful, the system will not make a second deduction, if there is a second deduction, please timely feedback to Alipay customer service.

There is no grace period for borrowing. You must make a successful repayment on the repayment date before the due date. The repayment date is generally determined by the application date of the first individual borrower, which is subject to the contract and page display.

If the first loan is on February 24, 2022, the repayment date will be February 24 of each month. In general, the system will automatically deduct the amount on the repayment date. If the deduction is successful, the borrower does not need to make the repayment manually.

If the balance of the repayment account is insufficient to cover the amount owed in the current period, resulting in the system failure, the borrower will make the repayment manually, and the latest repayment time must be observed. Usually, if you pay off the loan before 24 o'clock on the repayment date, you will have no problem. If you repay the money after 24 o'clock, even if you repay the money, it will be considered overdue by Min He Xian, and you will be blinded because the stipulated time has passed.

Overdue loans will be times the normal interest rate every day, and it will also affect Sesame Credit, making personal credit worse. <>