Alipay spends money, JD.COM owes money overdue, Alipay borrows money overdue. Flower buds are similar to white stripes, and they are not connected to the central bank's credit information system, so overdue will not affect credit information. But those who are overdue will also face serious consequences.

Borrowing money and spending money are different from JD.COM's spending money for nothing. First of all, it has been included in the central bank's credit information system. If you borrow money by borrowing money, but you don't repay it on time, it will affect your personal credit, produce a bad credit record, and affect loans such as buying a house and buying a car in the future.

Extended data:

Precautions for credit card use:

Credit card has no password: if the credit card has a password, you need to enter the password when swiping the card. If there is no password, just sign to confirm the consumption. You may think it is not safe to set the password, but it is not, because the merchant has the obligation to check the signature.

If someone else uses the user's signature to consume, the responsibility is not on the user, and the bank needs to compensate the user for the loss. If you use a password to spend money, the merchant is not responsible for the theft of the credit card.

Overdue repayment affects personal credit: if the credit card fails to repay according to the minimum repayment amount, it will not only deduct the user's high interest, but also affect the user's personal credit record. If users want to borrow money from banks or do something related to personal credit in the future, it will be more troublesome.

Baidu Encyclopedia-Excuse me

Baidu Encyclopedia-Bai Hua

Baidu encyclopedia-credit card

Baidu Encyclopedia-JD.COM Baitiao