How to deal with the overdue expenses in 2018
Sihai: now more and more young people use ants to spend flowers. Ant flower is Alipay's personal consumption service. Consumers can first pay for shopping and then pay back afterwards. So, is the service charge of ant flower high? How is the service charge calculated? How is the service charge charged if ant flower is overdue?
1. Service charge
No use, no charge, i.e. no annual fee; one-time agreement to return the full amount, no interest and handling fee.
2. Quota
Hot spot: how to increase the quota of ant flower in double 11?
Huabei is an online shopping service provided by ant micro loan to consumers, which is "bought this month and returned next month". Consumers can use Huabei to shop on Taobao and tmall, and pay back before the 10th of the next month after receiving the goods. After repayment, the consumption quota will be restored.
3. Interest free period
The maximum interest free period can be 41 days
4. Overdue expenses
If there is any outstanding balance beyond the interest free period, the fee shall be paid at the rate of 50% per day, compounded interest. 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, you need to pay 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).