Will Ant borrow automatically deduct if it is overdue? You have to know these consequences!

Alipay has many successful ace credit products, among which Ant Borrows.

It should be well known to everyone, and there are many people who have opened a loan, which can solve the temporary funding problem at a critical time. As a loan, of course, you have to repay the loan on time, if it is overdue, there will be more serious consequences, so will the loan be automatically deducted if it is overdue? Let's find out.

After the ant borrowing is overdue, Alipay will perform the following operations:

1. SMS notification

At the beginning, there will be no customer service to collect, because many people are overdue because they forgot to repay, so they can be reminded through SMS. Alipay will send a text message to inform you of the amount you need to pay this month, the current overdue situation, and it will also be displayed on the Alipay app, so you can repay it in time.

2. Influence amount

If you haven't repaid, then the direct impact is Sesame Credit.

Then Huabei. For products such as online merchant loans, you will find that the quota of these products has been reduced or directly cleared. If the overdue situation is serious, it may be frozen, and you can only repay the loan, and it will be difficult to borrow Alipay loans in the future.

3. Automatic deduction

In fact, after the ant loan is overdue, Alipay will not deduct money from your account, even if you have money in your balance and Alipay, it will not be deducted, unless it is your balance and savings card before the repayment date.

Express (including MYbank.)

Yue Bao. If you have money, it will be automatically deducted, and it will not be automatically deducted after the deadline, and you need to repay it manually.

Ant borrowing automatic deduction principle: automatic deduction will start at 13 o'clock on the day of repayment, and manual operation is recommended if it has not been automatically deducted when it exceeds 19;

After the deadline, you need to repay the loan manually: log in to Alipay on your mobile phone, click [My] - [Ant Borrow] - [To Repay] in the lower right corner, or [My] - [Loan Record] in the lower right corner

First, the front. After the Huabei loan is overdue, if there is money in the bank card bound to Alipay, the system will naturally deduct the money directly from it to repay the arrears. However, if the card that deposited money into is not bound to Alipay, the system will naturally not deduct the money from it.

2. Specific analysis.

And you also need to note that if you deposit money into the Alipay account balance or Yue Bao, the system will also directly deduct the money from it to repay the arrears. After all, Huabei has opened the automatic repayment function by default, and the system has not deducted the money on the repayment date, so it will naturally make up the deduction later.

Therefore, after finding that Huabei is overdue, you must recharge the money as soon as possible, so that the system can deduct the money in time, and the shorter the overdue time, the less adverse effects will be bringed. If it is overdue for too long, not only will there be more penalty interest, but the credit damage will also be more serious, and most of Huabei will be frozen, and it is estimated that it will be difficult to handle the follow-up credit business.

If you are worried that the system will not be able to make up the deduction in time, you can also contact Alipay customer service to explain that you have repaid the money after repaying it, and remind the other party to deduct the money as soon as possible.

If you are unclear about your debts and online loan data, you can get an online loan big data report from Beijian Quick Check, which has detailed data on online loan application records, overdue details, blacklists and other information.

3. How can Alipay Huabei not automatically deduct money if it is overdue?

After Alipay Huabei is overdue, it is generally impossible to do it if you don't want the system to automatically deduct the money, because the automatic repayment function is opened by default, and the system will automatically deduct the money from the Alipay account balance, bound bank card (except credit card), and Yue Bao on the repayment date for repayment.

Unless there is no money in the balance of the Alipay account, the bound bank card (except for credit cards), and the balance treasure, the system will naturally have no money to deduct. Of course, it is recommended to pay off the arrears as soon as possible, otherwise the overdue time will not only incur a lot of penalty interest, but also lead to serious damage to personal credit, and also affect the handling of follow-up credit business, and the Huabei function may also be restricted.

And you need to pay attention to the fact that you can actually take the initiative to repay, and you can directly find the Huabei bill to repay the operation. Of course, you can also charge the money into the balance of your Alipay account, the bound bank card or the balance treasure, and then contact Alipay customer service to let the system make up the deduction as soon as possible.

Many people will use ant borrowing when they are in urgent need of money, but they need to repay on time after use, and there can be no overdue repayment, so when will ant borrow money will be automatically deducted? Have you been paying attention in your usual life? The following will give you a specific explanation, so that you can use the borrowing correctly in your daily life.

Ant Borrower's automatic deduction will start after 12 o'clock on the repayment date, so you must ensure that you have enough funds in your account to deduct the money before 12 o'clock on the repayment date. If the deduction is not successful after 12 o'clock, the user can use manual repayment, so as to avoid overdue repayment.

If the user does not set the order of deduction when repaying, the deduction will generally be made in the order of balance, savings card, and Yue Bao, and the limit should be paid attention to when using the bound savings card to deduct, which is different for different banks.

After all, there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. Penalty interest is charged at multiple times of the original interest, and the longer the time, the heavier the burden of repayment.

When using Ant Borrowing to borrow, you should know your repayment ability in advance, and if your repayment ability is good, you can borrow with confidence. If the individual's ability to repay is insufficient, it is necessary to borrow cautiously or reduce the amount of borrowing, so that after borrowing, you can ensure that you can repay the loan on time. In fact, in the case that the personal income is not very large, it is better for the user to choose a longer period of repayment.

It should be noted that if the overdue repayment of Ant Loan is on the credit report, if the personal credit is not good, then it will affect other aspects of the loan, such as car loan or housing loan. It should be noted that after the overdue record is returned, it will be kept in the credit report for 5 years, and the record will be deleted after 5 years.

The automatic deduction function is enabled by default, and the deduction will be made in the set deduction order on the repayment date until the arrears of the current month are deducted. However, the automatic deduction of borrowing will also fail, and it will have a bad impact if it is not resolved in time. So, what happens if the automatic deduction of the loan is unsuccessful and how to deal with it?

Let's take a brief introduction today.

What happens if the automatic deduction is unsuccessful?

Everyone should know that borrowing is a credit loan on Alipay, there is no grace period, and the repayment must be made on the day of repayment. Usually, the system will deduct the payment from 8 o'clock in the morning until 19 o'clock in the evening, if the deduction is still not successful after 19 o'clock, there will be a risk of overdue.

The borrower must pay attention to the deduction at any time on the repayment date, and if you receive a reminder that the deduction is unsuccessful, it is recommended to verify several situations. One is to see whether the funds in the Alipay account balance, Yuebao or bound savings card are sufficient; the second is to see whether the status of Alipay is normal; The third is to see if there is too much repayment funds that make it impossible to withhold successfully.

If you can't deduct the money because Alipay is abnormal, you should contact customer service in time to solve it; If the balance is insufficient, or the funds are too large and the withholding fails, you need to manually repay the loan, such as directly using a bank card to repay, or repaying manually in multiple payments.

If the automatic deduction is not successful, and the repayment is not successful before 24 o'clock on the repayment date, the loan will be overdue, and even if it is repaid the next day, it will still be charged a one-day overdue fee, which will be charged at the normal interest rate, and may also affect Sesame Credit. However, there are 30 sesame seeds in the account, which can be repaired with sesame seeds after the arrears are paid off, and the sesame seeds will be re-evaluated subsequently.

In ordinary times, when there is a need for funds, many people will use Ant Borrowing to borrow, so that the demand for funds can be alleviated, so is Ant Borrowing automatically repaid when repaying? What should I pay attention to when using Ant Borrow? The following will give you a specific introduction, so that you can pay more attention to it in ordinary times.

If the user uses the automatic repayment method, then you need to deposit enough money in the repayment account, and the subsequent system will deduct the money before 12 o'clock on the repayment date, and if the deduction is not successful at 12 o'clock, the subsequent deduction will continue to be made, knowing that it is successful.

When making an automatic deduction, Ant Borrowing will deduct money from Alipay balance, Yuebao, and bank card, and when making deductions, users can set the order of system deductions, that is, whether to deduct the bank card first or the balance or Yuebao, if a single account does not pay off the arrears, it will continue to deduct from the next account.

After borrowing on Ant Borrowing, you can't overdue repayment, because the borrowing has been connected to the Credit Information Center of the People's Bank of China, as long as the overdue repayment on the borrowing will be uploaded to the Credit Information Center, and the credit will affect the subsequent loan processing after the credit becomes bad, and the Ant Borrowing will be frozen and cannot continue to be used.

When using Ant Borrowing to borrow, you generally need to choose the number of repayment periods according to your income, and after the selection, the platform will calculate the amount to be repaid in each period, and if you feel the pressure of repayment, you can reduce the amount of borrowing or extend the repayment period. If you have sufficient funds after borrowing, you can repay the loan early.

The daily interest rate of borrowing is between 10,000 and 6/10,000, and it is generally around 4/10,000 when you first start borrowing, and only a very small number of people can get an interest rate of 10,000 in the process of use. You can return the money at any time after borrowing money, and there will be no handling fee for early return, and the interest will be calculated on a daily basis. However, users should not repay in advance at every borrowing meeting, after all, borrowing also needs to make money.

Summary. Hello <>

The following answer is given based on the problem you described: After the loan is overdue, you want to prevent the deduction. Just don't use a bank card that has been bound to Alipay.

Because Alipay's bank card has been bound, Alipay has the authority to deduct the money after the borrowing is overdue. Because as long as you have bound an Alipay account, it is equivalent to signing a contract with Alipay. In the signed contract, there is a clause that can be automatically deducted.

Then these bank cards, don't have any more money, as long as you have money, after a long time, they will be automatically deducted. For other bank cards that have not been bound to Alipay, Alipay cannot be automatically deducted.

How to prevent automatic deduction if the loan is overdue.

Hello <>

The following answer is given based on the problem you described: After the loan is overdue, you want to prevent the deduction. Don't use the bank fiber card that has been bound to Alipay.

Because Alipay's bank card has been bound, Alipay has the authority to deduct the money after the borrowing is overdue. Because as long as you have bound an Alipay account, it is equivalent to signing a contract with Alipay. In the signed contract, there is a clause that can be automatically deducted.

Then these bank cards, don't have any more money, as long as you have money, after a long time, they will be automatically deducted. Other bank cards that have not been tied to Alipay and imitated Alipay cannot be automatically deducted.

It is possible to re-issue a bank card from another bank. You can also cancel the original bank card of Heyedan and apply for a new card. In this case, the spine number of the new bank card will be different from the card number of the old card.

Alipay will not be able to deduct the payment. After all, there are many banks, and it is not difficult to reapply for a new bank card. In addition, even in Alipay's account, there is no need for money.

Because after the loan is overdue, Alipay can also deduct money from Alipay's account balance.