What is the impact of Ant Huabei being overdue?

Overdue penalty interest: Interest will be generated after the overdue, and if you want to restore the overdue, you need to pay the principal and handling fee together before it will be restored. 5/10,000 a day, 10,000 yuan a day 5 yuan.

Lower Sesame Credit Score: Not only will your own Sesame Credit score be affected, but also your relatives and friends will be affected, and your personal credit will also be reduced, with your Sesame Credit score below 600.

Bad credit record: Huabei's overdue repayment affects Sesame Credit Score, which in turn affects personal credit history, and now Alipay Sesame Credit Score has become one of the 8 major credit bureaus.

Affect loans and card applications: Due to bad credit history, loans to buy houses and cars will have a big impact, and the interest on bank installments may also incur more expenses due to your bad credit history. Re-applying for a credit card may be declined.

So if you have money, you should pay back the flowers as soon as possible. Just search: Sky Data, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan according to your own situation, since you are willing to repay, you may as well try it.

Call ** to customer service and explain your situation. Focus on making it clear how much money you can repay each month, and there is no way to settle the debt at once. Or use more time to earn money to pay off the loan, you need to try.

Huabei can no longer be used to make payments, and overdue loans will incur interest.

1. Alipay Huabei needs to charge interest after the transfer is overdue, if the current amount due is not paid off before the repayment date, the corresponding overdue interest will be generated, and the overdue interest will be charged on a daily basis according to the unpaid amount of the current period.

2. If there is no repayment period within 1 month, it will not affect the credit record, but it will pay more interest, if it exceeds 1 month, there will be on the credit record, and the refusal to repay Alipay will be reported to the personal credit system.

3. Huabei's overdue records will be reported to Sesame Credit, which will affect the Sesame score and may have a negative impact on your credit.

4. Generally speaking, if the number of overdue days of Ant Huabei is relatively short, such as within 7 days, after paying off the overdue loan, the Ant Huabei function can be used normally. But if it is overdue for 30 days, then you can never use Ant Huabei.

5. It is recommended that you repay on time and not overdue, which will have a negative impact on your credit.

Ant Huabei is a consumer credit product launched by Ant Financial, and after applying for it, you will get a consumption quota ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy"Spend now, pay later"The shopping experience.

On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, which is also the first Internet consumer finance ABS on the Shanghai Stock Exchange.

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

At present, Ant Huabei has stepped out of the Ali e-commerce platform and has accessed 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**.

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.

If Alipay Huabei is overdue, the consequences will be serious, and the interest on overdue repayment will be calculated according to the outstanding amount, with a daily interest of 10,000 yuan.

Fifth, if the outstanding amount of your bill is $10,000, the interest will be $5 per day beyond the latest payment date. Regarding the previous question, let's put it this way, Huabei is Alipay's credit limit to you, if it does not affect your credit history, although it has not yet been clearly included in the credit record, but it is difficult to say in the future. If it is used as a reference for credit records in the future, bad records will cause you to be unable to handle credit business in the future, and you may be prosecuted in serious cases.

Interest is generated, and credit also has an impact.

The yuan is overdue, what's wrong.

I haven't used it, so I don't believe it.

There are three main impacts of Huabei's overdue:

1. Functional limitations: The Huabei function will not be available, and whether it can be restored after subsequent repayment will be evaluated by the system from time to time, and manual intervention cannot be made.

2. Negative records: Overdue records will be reported to Sesame Credit, which will affect Sesame points; At the same time, for users who have been connected to the central bank's credit information in Huabei, the overdue records will be truthfully uploaded to the central bank's credit information system in accordance with regulations.

3. Overdue interest: overdue fee = overdue principal * overdue days *.

If you have the need to borrow, you can also consider borrowing big-name credits such as borrowing, micro loan, and Du Xiaoman Finance. Du Xiaoman Finance has money to spend is easy to apply, fast to lend, flexible to borrow and repay, and users can take the initiative to apply. Du Xiaoman Finance has transparent interest fees for money to spend, reliable interest rates for big brands, and a maximum borrowing amount of 200,000 yuan, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider Du Xiaoman Financial Money, which is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This answer is provided by Compo 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. I hope you find this answer helpful.

It's okay, one day overdue has no effect.

1.Late fees are charged;

Interest will be charged on the transfer after Huabei is overdue, and if the current amount due is not paid off before the repayment date, it will occur.

The corresponding overdue interest will be charged on a daily basis on the outstanding amount of the current period. For example, you have to pay back 10,000 yuan in April, but only 5,000 yuan was repaid before April 10.

When the repayment is made on April 14, the overdue interest of 10 yuan (formula: 5000 yuan per day) will be incurred.

2.Affect personal credit.

If it does not exceed the repayment period within 1 month, it will not affect the credit history, but it will pay more interest, if it exceeds 1 month, the credit history will be, but it will disappear after half a year, as long as it is not too serious, the problem is not big.

Huabei's failure to repay on time has the following three main effects:

1.Functional limitations: After Huabei is overdue, the Huabei function will be directly restricted and unusable, and whether it can be restored after subsequent repayment is evaluated by the system from time to time, and manual intervention cannot be made.

2.Negative records: After the overdue period, the corresponding overdue negative records will be reported to Sesame Credit, which will affect the Sesame points.

3.Overdue interest: Overdue repayment will incur corresponding overdue fees, overdue fees = overdue amount * overdue days *

Ant Huabei overdue consequences:

1. Overdue 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 unpaid amount of the first photo, and some bank credit cards charge interest in full. To put it simply, it is a rolling interest, and the longer it is postponed, the higher the interest.

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

However, last time, Hao Ying, director of consumer credit at Ant's micro-loan division, introduced that "if it is maliciously overdue, it will be included in 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.

Ant Huabei: This is a credit card-like service launched by Aji, Zen Shuli Baba Company, when you shop on Alibaba's shopping platform, you can choose to pay with Ant Huabei, and his repayment date will be before the 10th of the next month after you confirm the receipt of the goods to repay the money you spent.

Ant Huabei's overdue repayment has some consequences:

1. After Huabei is overdue, Ant Financial's system will automatically deduct the user's Alipay balance from the bank account bound to it, and Ant Huabei will continue to send reminder SMS to the borrower.

2. If the reminder text message is still not returned, the customer service staff of Ant Huabei will collect the payment.

3. If Ant Huabei will levy a penalty, it will generally be calculated from the date of overdue, and a penalty interest rate of multiple the normal interest rate will be levied on the overdue amount.

4. Huabei's overdue records will be recorded in Sesame Credit and will also be backed up in Ant Financial's basic information database.

5. If the burial is seriously overdue, it will be sensitive, and the right to use Huabei may be cancelled.

6. If the overdue amount in Huabei is large, it is likely to receive a lawyer's letter to collect and even be sued if the overdue amount is serious.

Alipay Huabei will be sued if it is overdue for more than 3 months.

Non-repayment within three days: When the user is still indifferent and does not repay the loan in time. If the user has cash in Alipay, then Ant Huabei will automatically deduct the money in Alipay to fill the arrears in Ant Huabei.

If you don't repay within 5 weeks: If you still haven't repaid the money, your sesame credit score will be deducted, and your relatives and friends will be notified through Alipay's address book, and your friends' sesame points will be accumulated in the address book.

Non-repayment within 10 days: Huabei failed to collect the debt many times, so Ant Huabei transferred the debt to the debt company for intervention, and the debt company's collection method. At this point, they are pulled into a credit blacklist, and the bank will sue the borrower.

Do not also cause consequences

1. Sesame credit score declined.

Sesame credit score drops, such as car rental benefits, hotel accommodation zero deposit, etc. will be affected, ** shopping can not be used.

2. Overdue penalty interest.

Failure to repay will incur overdue penalty interest, and the interest rate of Ant Borrowing is calculated on a daily basis, and you will have to pay an extra day of penalty interest for each day you are overdue.

3. Become a judgment defaulter.

Alipay has been connected to the credit system, if the overdue repayment, personal credit will have a bad record, resulting in a low Sesame credit score, then it may be included in the ranks of "lai", so that Oak will not be able to take a plane, high-speed rail, can not take a loan to buy a house, buy a car, etc.

4. Prosecution faces sentencing.

If you maliciously do not pay it back, you will be sued, and the court will judge it next to it, and if you refuse to enforce it, you will be in love.