Ant flower is a very popular consumer credit product at present. When users consume, they can advance the amount of money they spend. Buying this month and returning it next month provide a lot of convenience for people's lives. So what will happen if ant flower delays paying back the money?
How long is it overdue?
Maybe you have also thought about this problem. Paying back the money late will affect your personal credit. If it's serious, stop using ant flower forever, so it's better for you to promise to pay back on time.
Generally speaking, the overdue days of ant flower are relatively short. For example, after paying off the overdue loan within 7 days, the function of ant flower can be used normally. But if you are 30 days overdue, you can never use ant flower.
1. Ant flower is seven days overdue
After 7 days overdue, the user can't use ant flower temporarily, and the user will return to normal after paying the overdue amount.
2. After 30 days overdue, users should pay off the overdue amount and never use consumer credit products such as Huabai and tmall by stages. Some people don't have ant flower after ten days overdue, which is normal. If you pay off the loan and communicate with customer service, see if you can reopen ant flower. If there are other circumstances, you can contact Alipay customer service to reopen the audit. If you want to use ant flower all the time, you must pay back on time (before the 10th of every month).
If you don't know for more than three days that it's a five-day negative record, you can't use Huabei for payment if it's overdue. It's better to pay on time. In general, the repayment is made on the 10th of every month, but like the credit card, there is a three-day grace period, that is, there will be no extra charge for repayment before the 13th.
I paid it back on the 12th. There is no charge. Of course, interest is charged for overdue payment. If the current payable amount is not paid off before the repayment date, the corresponding overdue interest will be generated, and the overdue interest will be charged by 0.05% of the current outstanding amount on a daily basis.
For example, if you want to repay 10000 yuan in October, but only 5000 yuan is paid before October 10, when you repay on October 14, there will be 10 yuan overdue interest (formula: 5000 yuan & times; 0.05% & times; 4 days).
In order to avoid missing the date of repayment of Alipay flower, you can pay in advance, and the specific operation procedures are as follows:
1. Click repayment plan in the bill - [I want to pay off] (warm tip: at present, early settlement only supports computer-side operation);
2. The page jumps to the page I want to pay off. The payment amount is grayed out. By default, all payments are paid off. Partial payments are not supported;
3. Jump to the cashier to pay.