How long is Huabai overdue?
First of all, at present, Huabai is not a credit reference, unless it is the kind of malicious overdue appeal, malicious overdue is generally owed for a long time, how to urge you not to return the large amount of behavior.
However, it should be noted that if Huabai is overdue for 7 days, tmall's installment payment will fail (there is no independent contract for installment purchase), and the overdue amount will return to normal after repayment.
After Huabei or tmall installment is overdue for 30 days, all products can not be signed or paid for, and consumer credit products such as Huabei and tmall installment can never be used. At the same time, overdue records will also be submitted to sesame credit, affecting your sesame score.
Generally, if it is very short-term overdue, after paying off the overdue loan, the Huabai function can still be used normally. However, if it is overdue for 30 days, all products can not be signed or paid for, and can not be used forever. If there are other circumstances, you can contact Alipay customer service to reopen the audit.
What is the impact of overdue repayment?
1. Overdue penalty interest: interest will be generated after overdue. If overdue is to be restored, it will be restored only after the principal and handling charge are paid together. Five ten thousand yuan a day, five ten thousand yuan a day.
2. Reduce sesame credit score: not only his own sesame credit branch will be affected, but also his relatives and friends will be involved, and his personal reputation will also be reduced. Sesame credit score is less than 600.
3, cause bad credit record: Hua Bai overdue repayment affect sesame credit score, and then affect personal credit record, now Alipay sesame credit score has become one of the 8 credit reporting agencies.
4. Impact on loan and card application: due to poor credit record, loans for buying a house and a car will have a great impact. It is possible that the installment interest of the bank will also have more expenses due to your poor credit record. It may be difficult to apply for a credit card again. Even if it is approved, the limit may be very low.
5. Heavy prosecution and punishment: Huabei overdue repayment light amount reduced, heavy prosecution! If Huabei's overdue repayment is serious, he may be prosecuted, just like the malicious overdraft of credit card, which may become the crime of credit card fraud, but generally the amount is not high, and the circumstances are not serious, which will not be so exaggerated.