With the diversity of payment methods and the improvement of people's living standards in modern society, many people will choose the online credit service like ant Huabei. In addition to the only living expenses, they can borrow Huabei to buy what they want to buy. But once the consumption level is higher than people's scope, it will be easy to not pay, so how long will ant Huabei go on credit investigation?
1、 Ant flower
Huabei is a "buy before pay" online credit service created by ant micro loan for consumers last December, which is similar to virtual credit card in terms of function. Huabei supports users who meet the credit requirements to purchase some goods on Taobao and tmall, directly link with yu'ebao, and make repayment before the 10th of the next month after confirming the receipt of goods. The maximum interest free repayment period is 42 days. The upper limit of Huabei's consumption quota is 30000 yuan. After repayment, the consumption quota will be restored.
2、 About whether the ant flower is on credit or not
1. Past statements
Some people have inquired about credit investigation before. They can't spend money on credit investigation, borrow money on credit investigation, collect money in advance from the seller, or borrow money on order.
2. Current statement
Ant Huabei disclosed user data to the media: more than 60% of users have not used credit cards before. In addition, ant micro credit introduced that 'if the malicious overdue, will be credited to the central bank credit system'. Huabei has established relevant credit investigation mechanism with sesame credit and central bank credit investigation center. If someone maliciously overdue, such as long repayment time, large amount, and cannot contact the user, it will affect the user's credit record; if only forget to repay, the time is short, and the credit will not be affected within the grace period.
3、 What's the direct consequence of the delay
1, whenever you use Alipay, you will be automatically charged.
2. The overdue payment will be notified by SMS and urged by phone. You are afraid that people all over the world will know that you don't pay back the money you owe!
3. Overdue default interest: interest will be generated after overdue. If overdue interest is to be recovered, it will be recovered only when the principal and handling fee are paid together. Five ten thousand a day, five ten thousand a day.
4. Reduce sesame credit score: not only your own sesame credit branch will be affected, but also your relatives and friends will be affected. Your personal credit will also be reduced. Sesame credit score is less than 600. In other words, Huabei overdue 'credit', but here 'credit' refers to sesame credit, not the people's Bank of China credit. Of course, if overdue, no matter what form, it will always have an impact on personal credit. So, money can be hurriedly returned and overdue. For Alipay's continuous overdue months, you can upload your overdue records to the central bank's credit reporting system. Overdue records in personal credit reports have a greater impact on future credit life, which directly relates to the application of credit cards, loan applications and so on.
5. Affect loans and application for cards: due to bad credit records, it will have a great impact on loan, house and car purchase. It is possible that the bank's installment interest will also incur more expenses due to your bad credit records. It may be difficult to apply for a credit card again, and even if it is approved, the limit may be very low.
6. If you pay more, you will be prosecuted. If you don't pay more, you will be prosecuted. Just like a malicious overdraft of a credit card, it may become a crime of credit card fraud. However, the amount is not high and the circumstances are not serious. The service contract of Huabei stipulates that the jurisdiction court is the place where the contract is signed, so it's because Huabei serves In order to reduce the cost of litigation, Zhejiang court e-commerce court came into being. Huabei's overdue non payment is actually a breach of contract. Ant Huabei's main operating company can sue the overdue person to the people's court according to the service contract of both parties. After the judgment takes effect, it can apply to the people's court for compulsory execution.
As for the problem of "will ant flower be on credit investigation when it's overdue?" generally, if it's just over a few days, it won't be. But if it's not up for a long time or the loan amount is huge, it will be uploaded to the credit investigation system of the central bank, which will have an impact on the application of credit card and the handling of bank loan in the future, so it's better not to be overdue and try to repay as early as possible, or the consequences will be very bad.