Sihai network

What if it's overdue? What are the consequences of the delay?

Now many small partners have opened Huabei. When shopping, you can use Huabei to pay first, and then pay back next month. Isn't it very convenient? Then what will happen if Huabei is overdue? Will Huabei still go to jail?

1、 Default interest

As we all know, if Huabei is overdue, there will be a corresponding overdue repayment fee, which is a certain amount of interest; then what is the basis of the overdue payment of Huabei;

Overdue interest is charged by 0.05% of the repayment amount at the end of the month on a daily basis. Remember, it's charged by days! Although 0.05% doesn't seem to be much, it's not a small fee for a long time because it's calculated by days;

The calculation formula is as follows: overdue interest = overdue amount & times; 0.05% & times; overdue days;

That is to say, if you owe 10000 yuan and pay 30 days overdue, the penalty interest you have to pay is: 10000 * 0.05% * 30 = 150 yuan! Isn't it scary?

2、 Influence sesame credit

We should know that the credit score of sesame seed is closely related to all activities of Alipay. There is no doubt that the overdue time will definitely affect sesame credit. If we spend the time overdue, the credit score of sesame will be reduced, and all our actions in Alipay will be limited. And even seriously can not enjoy some life services of Alipay.

In addition, our overdue flowers may also affect the credit of our relatives and friends and affect their personal reputation;

3、 Limited loan and credit card application

Spending money late will affect our ability to apply for loans and credit cards. Many people are skeptical. But today, Xiaobian is going to tell you seriously: it's true!

Those who are overdue will not be able to apply for any loan from ant financial services. In addition, due to the cooperation of ant financial in many fields, the overdue users of Huabei apply for credit card and loan in the online commercial bank in which ant financial has become a shareholder, which is likely to be rejected.

4、 Risk of prosecution

If you are not afraid of the above consequences, don't think Ma Yun's father can't help you. You should know that those who fail to pay on time and cause malicious overdue will be prosecuted! Although the amount of money spent is generally not high and the circumstances are not too serious, we should be careful!

Finally, Xiaobian wants to say that whether you spend money or credit card, you should first consider your debt capacity. If you can't, you don't have to. If you can't, you really can't. It affects your future life. If you can't, installment payment is better than overdue payment;