Alipay flower function provides convenience to a large number of people, but some people will forget to repay the loan. What will happen if the payment is delayed one day? Here, Xiaobian introduces the relevant regulations. At present, it is not a big problem for Huabei to pay back one day later, because Huabei provides users with a three-day grace period. As long as you repay within the three-day grace period, it is not overdue and will not affect your credit. However, if you don't pay back within the grace period, there will be trouble. Here, I would like to introduce to you the consequences of overdue Huabei, hoping to arouse your attention.
Account Restriction
After the repayment of Huabei reaches the overdue standard, everyone's Huabei account will be restricted and can only repay but not borrow. As for whether you can use the amount of Huabei in the future, it is difficult to determine. Some users will not be able to use Huabei for a long time.
Negative record
When Huabei is overdue, negative records will be submitted to sesame credit, which will affect sesame score. In addition, although Huabei and the central bank's credit reference are independent of each other and information is not shared, if the data is shared, bad records will also be generated.
Overdue interest
Like other loan products, overdue interest will also be charged after overdue payment. Overdue fee = overdue principal & times; overdue days & times; 0.05%. If the overdue principal is 1000 yuan, the overdue interest per day is 0.5 yuan.