According to the explanation of the relevant staff of ant financial services, malicious overdue or non repayment of the loan will not only produce a certain amount of penalty interest, but also affect the personal credit record.
Whether it's' Jiebai 'or wechat's' micro loan', if an individual applies for the loan too frequently and fails to repay the loan on time, he will be doubted when he goes to the bank to apply for the loan.
With Ali's "borrowing", borrowing information may indeed appear in the central bank's personal credit report. Alipay officials also hint that if overdue, the overdue record will be reported to the central bank's credit reporting system. In other words, if a loan item is used on the Internet, serious overdue will appear in the credit report, affecting personal records.
Since Ali's "borrowing" is mainly connected with Ali's small loan, it is likely to be reflected in the credit report as "credit loans issued by small loan companies".
If you don't pay back the money you owe, what will happen? Will it affect your personal credit information, and lead to restrictions on house purchase, car purchase, employment, loans and even travel in the future?
I believe that most people will not take risks to try, but there are always people who owe money for one reason or another. Here we have a look at the personal experience of several netizens.
A netizen:
I'll tell you from my own experience. The year before last, due to special reasons (not my personal intention), I borrowed by installments, but I didn't repay by Huabei. Suddenly one day, I received a text message saying that it was a breach of contract, terminated the contract, and asked for full repayment.
My quota was ok, because the electrical appliances I bought by installment at that time cost a lot, and the full repayment cost more than 20000 yuan. When I got the news, I was short of money and the situation was special, so I didn't pay it back for a while (delayed for a few days).
Then, a lawyer office in Hubei called and said that, at the request of Alipay, he urged me to repay the debt within a few days. He also said the serious consequences of the non repayment. He also instruct the repayment steps, matters needing attention.
Anyway, my credit score dropped from 700 to 470. There's no hope at all. I don't use them any more since the repayment.
What I know is that if they don't pay back, they will call for payment. If they do, they will entrust a law firm. If they don't pay back, they will have legal procedures. They can sue you for fraud.
Therefore, it can be used, but it is better to pay more interest than default.
Netizen B:
I have a friend who owes me more than 20000 yuan in ant Huabei. He hasn't paid a cent yet. He owes me about half a year. Every month ant Huabei calls me to collect all kinds of money.
Now I can't get in touch with my friend. Ant financial said that if you don't pay back the money and go through legal procedures, it will have an impact on your personal reputation and affect future loans, employment and other issues.
Also, I don't know why the mentally handicapped left my number. I asked the ant that it was the number associated with me before.
Netizen C:
It's not that I don't want to have something to do with it. Huabai's all kinds of credit cards are overdue for more than one year, some for two years! All kinds of collection, SMS, blackmail!
I am also tired now. When I make a phone call, I will pick it up if I am happy or not. When I pick up the phone, I must be more than a collector. There are all kinds of curses on the phone!
Do you want to know how I spend my time? I've heard too much about lawyers and legal letters. At least I owe more than 300000 yuan in three years. I'm not dead and I'm not in prison now!