What is the consequence of overdue borrowing in 2018
Sihai: many people love to use Alipay, and welfare after another has made Alipay pay more than WeChat. Now Alipay is already the big boss of mobile payment. So the problem also comes. Many people like to shop online, but they may encounter poor cash flow and borrow a little money for the time being. Now that the problem is coming, Alipay customers are relatively large. Some people will surely encounter Alipay's late repayment. What are the consequences of overdue repayment?
This can be divided into overdue, malicious and not overdue.
It's easy to understand that non malicious overdue is due to forgetting to repay. As long as we pay it right away, there will be no big problem. At most, it will be recorded in sesame credit, and will not be recorded in the central bank's credit reference system. Future loans in the bank will not be affected. However, if you have not paid off the debt within three days, it will be recognized by the system For you are malicious overdue, then to this extent, the nature is completely different. If you still can't afford to pay back the money because of your poor life, at this time, I suggest you go to the bank to get a credit card, and then pay the money back. However, we must pay attention to the repayment, which can only solve the problem for a while.
Now let's talk about the consequences of vicious overdue. There is no doubt that this will be recorded in sesame credit. Don't take any chances about this. If it is overdue, there will be a penalty interest. The penalty interest is 1.5 times the normal interest rate. It will be calculated from the first day of overdue. At this time, the system will automatically deduct money, and then carry out a reminder. If it is serious, it may also have a blacklist of sesame credit. It will close all the functions of Alipay's borrowing, and will record the central bank's credit reporting system, which will affect future work and loans.
In general, this is overdue 9 days later, it is overdue, this is the evolution of malignant overdue. First of all, it will definitely record that inside the sesame, the Taobao and Alipay will be able to freeze the arrears. The money can only be entered but not, so that the arrears will no longer be able to use the Ali platform normally. Not only that, it will also record the central bank's credit reference system, which will affect the future work, so there is no need to think about the loan. To this extent, Alipay will assume that you start to urge customers to repay by phone. When reminded repeatedly, but the arrears still do not return the debt, then Alipay will take urgent measures to contact the friends and family members of the arrears to understand the situation.
To this extent, the arrears face not only the pressure of Alipay platform, but also the pressure of their family and friends. At some point, the pressure from life will be greater. When overdue payment is the most serious, you may receive a letter from a lawyer, or even imprisonment.
As for whether there is any way to make up for the overdue payment. I think this is the most concerned thing, but I think the best way to make up for it is to return the money as soon as possible, and sincerely explain the reason for the overdue with the customer service, which may reduce the consequences a little bit. In a word, honesty is the most important, so we should borrow according to our own repayment ability.