How to query the overdue records of ant borrowing

Ant Borrow is a loan service for personal consumption, which belongs to the brand of Ant Financial, and the loan applied for can be disbursed to an Alipay account. If Ant borrows a loan, it will not also produce a bad credit record, and in serious cases, it will be sued by the lending institution, and the borrower will bear the corresponding responsibility. Many loan platforms have begun to be linked to the credit system, and access to the credit of the People's Bank of China has become an inevitable trend.

In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the borrower defaults on repayment for a long time or deliberately fails to repay, after the amount exceeds 2,000, it can already constitute a crime of fraud and is in danger of being sued by the online lending platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

Overdue borrowing loans will result in a bad credit history. Once the loan is overdue, the bank will report your overdue record to the central bank's credit system, and once the record is generated, it will leave a stain on your personal credit report. This small stain will form a lot of resistance to your future loans and credit card applications, and borrowers must not lose a lot because of small things.

Loan repayment overdue will produce additional costs, when signing the loan contract, generally will make some provisions on the loan overdue, overdue will generally incur penalty interest, different financial institutions, the amount of penalty interest and the interest generated are not the same, but as a should not be spent expense, or can not be generated.

I hope this can help you, in addition, if you have an urgent need for a loan, you can also choose a big brand unsecured credit brand to borrow, the interest fee is transparent and trustworthy, there is money to spend, the original financial credit service brand, the application conditions are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Once you meet the above conditions, you can apply for a loan. **If you have money to spend on the app, enter the loan entrance, click to view my limit, fill in the information, confirm the information, and get the limit. The fastest approval is 30 seconds, and the maximum quota is 200,000.

On the mobile phone, click below to measure the quota immediately.

About five days. If you don't take the initiative to contact Ant to explain the reason for your arrears and willingness to repay, you will basically report to the credit report.

2. Although Alipay reports the credit situation to the central bank once a month, according to the official customer service description, once the overdue record of borrowing is generated, the overdue record will directly enter Sesame Credit and be directly uploaded to the basic database of financial credit information according to the regulations, that is to say, once the borrowing is overdue, it will enter your credit system, and there is no grace period, so you should repay the loan on time and do not have any luck.

3. Borrowing will affect your bank loans, because borrowing is mainly connected to the loans of Ali small loans, so the credit report is likely to reflect the credit loans issued by the small loan company. As a result, individuals will not be able to apply for a line of credit at most banks unless the microloan is cleared for half a year.

Borrowing Credit Loan (formerly known as Borrowing Bei) is a loan service launched by Ant Financial Services Group relying on Alipay, and users can apply for different loan amounts according to different sesame scores. 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.

When borrowing, users can choose to lend money to Alipay accounts and bound savings bank cards for personal consumption, decoration, travel, etc.

Alipay's overdue filial piety record check and fight method is as follows:

1. Open Alipay, click Mine, <>

2. After opening Mine, click Sesame Credit and <>

3. After opening Sesame Credit, click Agreement Management and <>

4. After opening the agreement management, click to complete the agreement for a total time, <>5. After opening, click on the credit service and <>

6. After opening the credit service, check the repayment status of the loan, and there is no overdue record as agreed.

How long does it take to get on the credit record?

3 days. There is a 3-day grace period for borrowing, and repayment within the 3-day grace period is considered normal repayment and does not affect credit reporting. However, overdue fees will be charged for repayment beyond the grace period, and overdue fees incurred during the previous grace period will be charged at the same time.

The impact of Sesame Credit during the grace period is judged by the system, and repayment during the grace period may affect Sesame Credit, which shall be subject to the page display.

If we are unable to repay the loan, resulting in overdue, then there will be various adverse effects, mainly in the following aspects.

Sesame Credit: Borrowing will not affect the Sesame Credit Score, reduce our Sesame Credit Score, when our Sesame Credit Score is too low, then it will affect the use of Alipay and other services.

Penalty interest: A certain penalty interest will be charged, which will be charged according to the number of days of default. Overdue penalty interest will be charged on a daily basis, the overdue interest rate is multiple of the normal borrowing interest rate, and the overdue fee is calculated as the overdue bill amount (overdue principal + interest) * daily interest rate * overdue days.

Credit investigation: Alipay borrowing has a 3-day grace period, but does not support deferred repayment, and will report the loan and repayment records to the central bank for credit information. After the loan is overdue, there will be penalty interest first, and after the loan is overdue, there will be an overdue fee that is multiple of the normal interest rate; If you do not repay for a long time, it will also affect your personal credit and face the consequences of being forced to collect money by Alipay.

If the borrowing is overdue for a few days, it will be reported to the platform for credit investigation, which needs to be divided into the following two situations.

1. If the last loan is not repaid normally, then it will be on the credit report if it is overdue for 1 day.

According to the official description of the borrower, if there is no normal repayment in the previous period, then the grace period will not be obtained in this period, and the loan needs to be repaid before 24 o'clock on the repayment date.

2. If the last loan is repaid normally, then the overdue time will be more than 3 days.

If the loan is repaid in the previous period according to the regulations, then a 3-day grace period will be given in the current period, and the repayment within the grace period will not be on the credit report.

For example, if the repayment date is the 20th, then the loan will not be repaid before 24 o'clock on the 23rd, and if it exceeds this time, the platform will report the overdue situation to the credit report, which will hurt the credit report.

Therefore, you can make a judgment against your actual situation, and if you don't know very well, you can also consult the customer service of the platform to understand the specific policy.

In order to ensure that you do not fall overdue, you can repay the bill before the repayment date, regardless of whether there is a grace period or not.

If you have been rejected many times to apply for an online loan, you can learn about your big data problems in the "Xiaoqi Xincha". It is an accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and complete data.

Extended Information: Can I use a loan such as a loan after the loan is approved?

After the loan is approved, the user can use the loan such as borrowing.

If the user has applied for a large loan and passed the review of the large loan, as long as the user still has sufficient repayment ability, then continuing to apply for a loan such as borrowing will not increase the risk of overdue.

If the user's repayment ability has reached the upper limit, it is not recommended that the user apply for a loan such as borrowing after Li Laoxu.

For users, whether to continue to apply for loans in the future mainly depends on their own capital needs and repayment ability, and they must apply for loans within the scope of their ability.

1. The borrower of the previous bill repays on time: Then the current bill will hold a 3-day grace period for repayment, that is to say, the period from the repayment date to the grace period is not considered overdue by the user, and the overdue record will be on the credit report only after 4 days of overdue;

2. If the borrower fails to repay the previous bill on time: then the current bill will not enjoy the grace period for repayment. If the user does not repay the principal and interest in full on the repayment date, the user will be deemed overdue after the repayment date, which means that there will be an overdue record on the credit report for 1 day after the overdue filial piety period.

As long as there is an overdue record in the credit report, then it will have a negative impact on the personal credit report.

Extended information: Can I borrow after the loan is overdue?

Even if the arrears are paid off after the borrowing is overdue, I am afraid that it will not be easy to borrow in a short time. Because although the arrears have been paid off, the adverse effects of overdue have already occurred. The "Alipay" system will report the overdue situation to the central bank for credit information, leaving a bad record in the user's personal credit report, and the overdue bad information is usually retained for at least five years after the arrears are repaid before it can be deleted.

Because the user's credit is damaged, when the system reviews and finds problems when continuing to borrow, it is natural that they will be worried about the greater risk of lending, so they will refuse to approve the loan (the user needs to pay attention to the fact that it is precisely because the credit report is overdue, so even if he is not borrowing, he will also find the credit overdue record when he borrows from other consumer financial institutions, and he will still be rejected at that time).

Therefore, after paying off the overdue arrears, the user still needs to spend time to restore the damaged credit, accumulate more good records and other new good records to begin to cover the old bad records, improve personal creditworthiness, and the system comprehensive assessment meets the standards, it is estimated that they can borrow smoothly (wait for the credit after three to six months).

<> Alipay's overdue record inquiry method is as follows:

1. Open Alipay, click on My Qinbu, 2. After opening my chain Li, click on Sesame Credit, 3. After opening Sesame Credit, click on the agreement management, 4. After opening the agreement management, click on the total number of agreed times, 5. After opening, click on the credit service, 6. After opening the credit service, check the repayment of the loan, which is currently agreed and there is no overdue record.