I have three credit cards (China Merchants Bank, Bank of China, Guangfa) and have been repaying them through Alipay. I have rich experience in operating Alipay. This is my background. On October 17, I received a bill from Bank of China, which showed that the current repayment amount was about 50,600. The limit of this card is only 50,000. How could there be such a high bill? So I called Bank of China customer service and the answer was that I had an amount of more than 3,000 yuan that I had not repaid. All my bills were paid through Alipay. Alipay clearly showed that they had been paid off, so how could it be that they had not been paid off? I called Alipay customer service (95188) that day and the customer service replied that they were aware of my problem and would verify it. In the next few days, I kept looking for the reason. It turned out that I made a repayment of 3,000 yuan on September 17 (the card statement date), and this repayment was directly deducted from me in the Bank of China system. current bill. For example, before repayment, I owe the bank 49,000. After repayment, the current bill is 46,000. The Alipay system believes that this transaction occurred after the bill was issued, that is, 3,000 yuan has been repaid for the 46,000 bill, and then only 43,000 yuan needs to be repaid to complete the current bill. Since I usually repay the loan in several installments and I don’t keep statistics myself, I use Alipay’s built-in repayment system to count the repaid amount and the unpaid amount, so I underpaid 3,000 yuan, resulting in an interest of 766 yuan. Then I told the Alipay customer my idea, and the customer service confirmed after checking that if this repayment is included, the amount of my bill is exactly equal to the amount I should repay. At this point, I think the problem has been solved, and I wonder if Lao Ma will reward me for helping Alipay find this system vulnerability. Unexpectedly, the story has just begun. In the following days, Alipay customers called me several times and said that the technical staff could not verify the situation and needed me to provide the September bill details, October bill details, and the front and back of the bank card. In the evening I sent the required information to Alipay's email address. A few days later, Alipay called again and said that the problem still could not be verified. The technician said that I still need to provide the calculation method of interest, because! for! he! They! How! What! Calculate! All! Calculate! No! out! for! Varied! What! meeting! have! this! What! many! profit! interest! First of all, I said that the calculation of interest has nothing to do with this matter. Secondly, there is no interest in my September bill. This means that the October bill was caused by the unpaid September bill, and there is no historical interest. Thirdly, The interest calculation is unified among all banks. It is entirely possible that a bill of more than 40,000 yuan will generate interest of 770 yuan. What the customer service said really shocked me: Yes! yes! you! Only! have! 3000! Yuan! without! return! clear! ah! I'm really confused. This is the customer service of Alipay's credit card hotline. They don't even know how to calculate the full interest on unpaid credit card bills. I patiently told the customer service again the calculation method of interest. The customer service said that they have learned it and will respond to the technical staff. . At this time my heart was broken.