How long does it take for Ant Huabei to recover after overdue repayment?

In real life, if a bank loan is overdue, it will be blacklisted for a long time, and the loan will be restricted in the future; There are also online loan platforms that are overdue, and some loan platforms will include users in the credit list. As a consumer loan, can Ant Huabei continue to be used after being paid off overdue?

1. Understand the collection method of Huabei overdue

Within 9-13 days after the user's repayment date, the user will be reminded to repay the loan through SMS, automatic voice, etc., and if the user fails to repay, it will be manually reminded after 13 days of overdue. If the amount is large and cannot be contacted many times, the user will be reminded to repay the loan by contacting the related person.

2. The impact of Huabei's overdue

1. Late fees are incurred. Like credit cards, interest is charged on overdue fees at 5/10,000 per day, but unlike credit cards, interest is charged at 5/10,000 of the outstanding amount, and some bank credit cards charge interest on the full amount. To put it simply, it is a rolling interest, and the longer it is delayed, the higher the interest will be.

2 May be included in personal credit records. This is more important. Although there is no definite information that Huabei is overdue, it must be included in the personal credit record.

However, last time, Hao Ying, director of consumer credit at Ant's micro-loan division, introduced, "If you maliciously overdue, you will be downgraded to the central bank's credit system." That is to say, Huabei users who deliberately default on non-repayment, have a large amount of money, and have been in arrears for a long time may be included in their personal credit records in the future. Bad credit history will affect the user's loan and credit card applications.

3. What should I do after the deadline?

1. Alipay for general users will be bound to debit cards and Yuebao, and when the repayment date comes, the payment will be automatically deducted.

2. If you forget to repay the loan and cause it to be overdue, just repay it as soon as possible, the amount is not very large, the time is not very long, and there is generally no problem.

4. How long can I use Huabei after paying it off overdue?

After the user pays off the relevant fees, the Huabei quota will be reused.

Ant Huabei can be used within one month after overdue repayment.

On December 1, 2018, Alipay Ant Huabei officially launched the deferred repayment function. This new feature can be used from the 1st of each month to the 9th of each month.

Ant Huabei's deferred repayment can be deferred from the 1st to the repayment date (9th or 10th) The function of deferring all or part of the amount issued this month (the amount that the system judges can be deferred) can be deferred to the next month, which temporarily reduces the repayment pressure to a certain extent, but this function requires some handling fees, and the bill originally scheduled to be repaid this month will be repaid next month.

Huabei repays the loan after it is overdue, and returns to normal methods:

1. If it is overdue for less than 30 days, it can be resumed normally within 3 days after paying off the arrears, but the system will evaluate the user's credit, and only if the relevant conditions are met can the use be restored;

2. If it is overdue for more than 30 days, it may not be able to restore the normal use qualification after paying off the arrears in time, which is a manifestation of the platform's avoidance of repayment risks.

Extended information] Industry insiders believe that banks and other financial institutions have experience in capital and risk control, and Huabei has consumption scenarios and risk control data, and both sides have their own strengths and complement each other. Therefore, cooperation can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, and benefit the development of the industry.

Ant Huabei supports multi-scene shopping use. Previously, the main application scenarios were ** and Tmall, ** and most merchants in Tmall can use its payment.

Ant Huabei has stepped out of the Ali e-commerce platform and has connected to more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon, Suning, etc.; Local life services**, such as word-of-mouth, Meituan, Dianping, etc.; Mainstream 3C officials**, such as LETV, Haier, Xiaomi, OPPO and other official **; and the section on overseas shopping**.

Based on consumers' online shopping, payment habits, credit risks, etc., Ant Huabei grants users consumption quotas ranging from 500 to 50,000 through big data computing and risk control models.

Ant Huabei's quota is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. Ant Huabei cannot open or raise the amount through others, please do not trust others and disclose personal information.

On October 18, 2018, Huabei officially launched the "Quota Management" function, which allows users to adjust their Huabei quota independently according to their actual needs.

1. If the user pays off the arrears within 30 days after 7 days overdue, it will take about 7 days for the user's Huabei to resume normal use. The specific recovery time is determined by the comprehensive evaluation results of the user's personal qualifications by the Huabei system.

2. If the user pays off the arrears after 30 days of overdue, then Huabei will never be able to resume use.

Extended Materials. Alipay Huabei bill details deleted.

After opening Alipay on your mobile phone, click "My" in the lower right corner of the page

Then select the "Billing" option.

After entering, find the consumption details you want to delete, then press and hold the consumption details, and finally click "Delete" in the pop-up menu of the system, so that the consumption details will be deleted.

If Huabei is repaid 20 days late, it may be difficult to recover in a short period of time, but as long as you accumulate more good credit in the future, and participate in more credit tasks to improve your sesame credit score, and wait for your personal credit to improve, the system estimates that Huabei will be restored (it is recommended to raise three to six months of credit first).

It should be noted that if there is an overdue situation again later, it will take longer to restore Huabei.

If Huabei still does not recover after half a year, it can only continue to maintain personal good credit and pay more attention to Brother Bend in the follow-up.

After all, whether Huabei can be restored mainly depends on the comprehensive evaluation of the system (the system is generally re-evaluated every time or so), and manual intervention cannot be forced.

It is recommended that it is best to develop a good habit of repaying the loan on time, and if it is overdue, you should pay off the arrears as soon as possible, and do not delay for too long.

After all, the longer the crack between the overdue Shiyan, the more serious the adverse effects will be, and it will be more difficult for Huabei to return to normal when it is frozen by risk control.

If you have been rejected many times to apply for an online loan, you can learn about your big data problems in "Zhiyi Big Data". It is an accurate and complete big data system that works with more than 2,000 online lending platforms to provide accurate and complete data.

Extended information:**How can Huabei return Huabei after returning it in installments?

If you return the product after using Huabei in installments on **, the repayment of Huabei will be handled as follows.

If the return is applied for before the receipt is confirmed, then the transaction has not yet been recorded in the account, and there is naturally no need to repay, and the returned money will be directly returned to the Huabei account to restore the coarse closure of the previous consumption.

If the goods are returned after confirming the receipt, then the transaction has been recorded at this time, and the returned money will be given priority to offset the bill, and naturally there is no need to pay it back.

Of course, if there are other parts in the Huabei bill, then after the bill is issued, you still have to pay attention to repaying the other parts on time before the repayment date (inclusive).

Of course, if the Huabei bill has already been paid off when the return is made, the refund will be directly returned to the balance of the Alipay account.

If it is a refund of the deposit unfreezing type, it will also be directly returned to the Alipay account balance.

It should also be noted that the refund amount is less than the payment amount of Huabei, and the unrefunded part after the refund still needs to be repaid (the specific refund amount is subject to communication with the merchant).

If Huabei is overdue for more than 30 days, the sedan chair or the sedan will be permanently frozen, and it will never be able to be used. Overdue for 7 to 30 days is only temporarily frozen, and after it is paid off, it can be reinstated in the next billing month. If you don't have a chain sail that can be used, you can only re-apply for activation, and the system will re-evaluate you, as long as the evaluation is passed, you can continue to use it.

Summary. There are two situations in which Alipay Huabei will be restored after it is overdue: 1. If the overdue amount of Huabei is less than 200 yuan, the Huabei account will return to normal after the Alipay system collects overdue penalty interest, and the Alipay payment function can be used normally; 2. If the overdue amount of Huabei is greater than 200 yuan, the Huabei account will be frozen after the Alipay system charges overdue penalty interest, and the user needs to contact customer service by himself and provide the corresponding supporting materials, and the customer service will review the user's credit situation.

It can be seen that to restore the Huabei account, the user needs to pay the corresponding penalty interest, and after the Alipay system collects the penalty interest, the time for the Huabei account to return to normal may be relatively long, about dozens of hours. However, it can also be faster, usually within 24 hours.

How long does it take for Alipay Huabei to recover after it is overdue?

2018 has already paid off.

There are two situations in which Alipay Huabei recovers after it is overdue: 1. If the overdue amount of Huabei is less than 200 yuan, after the Alipay system charges overdue penalty interest, the Huabei Menghua account will return to normal, and the Alipay payment function can be used normally; 2. If the overdue amount of Huabei is greater than 200 yuan, the Huabei account will be frozen after the Alipay system collects overdue penalty interest, and the user needs to contact customer service by himself and provide the corresponding supporting materials, and the customer service will review the user's credit situation. It can be seen that to restore the Huabei account, the user needs to pay the corresponding penalty interest, and after the Alipay system collects the penalty interest, the time for the Huabei account to return to normal may be relatively long, about dozens of hours.

However, it can also be faster, usually within 24 hours.

Pro, after the overdue use of Huabei is restricted, the specific recovery time is different, and Alipay will deal with it according to the overdue situation of different overdue users, which are as follows:1Overdue within a week.

If the overdue time is not more than one week, then some users with good credit in the past will not be affected by the use, and they can continue to use Huabei, even if the user is frozen, the use limit will be restored immediately after paying off the arrears. days overdue. If Huabei is overdue for more than a week, but less than a month, the user will not be able to use Huabei immediately after 7 days of overdue, and the Huabei page will display a prompt of "Wusong liquid method to use Huabei to shop", at this time, as long as we pay off the arrears, the quota can also be restored immediately, but there may be a situation where the rate is reduced.

In addition, overdue during this period of time will affect your credit situation. months overdue. The overdue time of more than 1 month is already seriously overdue, in this case, whether Huabei can be used again after paying off the arrears is decided according to the user's comprehensive score, for users with sufficient repayment ability and good credit in the past, it may be resumed within 3-7 days, and for users with weak repayment ability and other bad repayment records, they may not be able to use Huabei again.

More than a month overdue. If it is overdue for more than three years, it is generally impossible to use Huabei immediately after paying off the arrears, and you need to wait for 1-2 years according to different user situations to improve your comprehensive score and then re-open Huabei for use.