Can you negotiate repayment if the ant borrowing is overdue?

Borrow. Overdue is negotiable.

Users can do this by calling Ant Financial.

Borrow the business to transfer "2" and transfer to manual customer service consultation.

Whether the negotiation can be successful depends on the relevant regulations of Alipay. If Alipay refuses to negotiate repayment, then the user must settle the overdue amount of the loan as soon as possible, otherwise personal credit will be affected. The function of borrowing will be limited after the expiration date, and it will not be able to continue to be used until the loan is settled.

If the overdue amount is more than three months, it will be determined that it is malicious overdue, and at this time, regardless of the size of the overdue amount, there is the possibility of suering, if the overdue amount is large, the borrowing can also reserve the right to sue according to the provisions of the contract for less than 3 months. As for Alipay's dunning method, it generally does not come to the door to collect the payment, mainly by sending text messages and calling **. If the customer cannot be reached, you may call the customer's emergency contact.

Although it will not come to the door, it will bring serious adverse consequences if it is overdue, not only will it always incur penalty interest, but it will also be reported to Sesame Credit if it is overdue.

Even report credit information, resulting in personal credit damage, follow-up credit business.

will also be blocked. Therefore, it is recommended that customers should find a way to pay off after receiving the reminder SMS.

If your Ant Loan is overdue, it is recommended that you contact Ant Borrower customer service in time to explain the situation and express your willingness to repay. Usually, Ant Borrower customer service will negotiate with you to develop a suitable repayment plan so that you can pay off the loan as soon as possible.

In addition, in order to maintain a good credit history at all times, we need to pay attention to our own online lending big data. By clicking on the query in "Xiaoqi Xincha", you can get your own online loan big data report, so as to maintain good credit.

Yes, 1Borrow.

Repayments can be negotiated. To apply for a second installment, you only need to call 95188 customer service ** and press the No. 2 button to transfer to manual, and then connect to the customer service and describe in detail the current situation of the user, not deliberately want to overdue, but it is the main reason for helplessness, and then reasonably put forward their own installment demands, and negotiate the number of installment periods within the scope of their ability.

2.If the loan is overdue, the user can apply for negotiated installment repayment, and as long as the negotiation is successful, then the repayment can be made in accordance with the negotiated agreement. If the negotiation fails to repay, the user must pay off the overdue arrears in one lump sum, otherwise the overdue status of the loan will not be lifted, and the user will not be able to apply for other loans during the overdue period.

In addition, the borrowing is overdue, Huabei.

3.If the user is unable to repay, it is important to find a way to repay the loan on time. If it really comes to the point where you are unable to repay, it is recommended to take the initiative to contact Alipay customer service to negotiate repayment.

Users can communicate directly on Alipay, or they can call Alipay's official.

Extended information] Borrowing "current name credit loan" is a loan service launched by Alipay, according to sesame.

Depending on the number, the amount of loan that users can apply for varies from one person to another. 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.

January 9, 2018, or for excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users 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" is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. 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 November 7, 2021, according to feedback from netizens, Alipay borrowing has been updated for it"Line of Credit"After the update, borrowing, auditing, and repayment will remain unchanged. The official said that the credit loan is a consumer credit service provided by a financial institution that cooperates with Ant to provide users independently, and the consumer credit service provider will be displayed, and the user's quota and interest rate are the result of the financial institution's independent approval, and the loan funds applied for by the user are also issued by the financial institution.