Uninstalling Alipay to "escape debt" does not help. Your Huabei bill still needs to be paid off, so Jack Ma said "it doesn't matter." And if you continue to fail to repay it overdue, many problems will arise. For example, Alipay and Taobao will be frozen, the bound bank card cannot be used, and your personal credit report will even be affected.

You must know that once your personal credit report is affected and you become a "lao Lai", you may be directly restricted from spending like Wang Sicong before. Whether it is buying a house, a car, or your children's education, you will encounter problems. to the problem. Therefore, we should still maintain good credit and not make late repayments.

The first is a text message informing you that you must repay the loan as soon as possible. If there is no response, the second step is to notify by phone and the account will be frozen until it is released after repayment. If there is still no repayment, then the third step is to deduct it from the bank deposit. If there is no deposit, then it is to file a lawsuit or auction the personal property to compensate. In addition, at this stage, even if the loan is finally repaid, it will still be on the credit report list, which will affect subsequent use, even children's education, etc.

Don't think about "evaporating from the world". When you register with Alipay, your ID card, phone number, address and other information have been collected. It is very simple to find you. Therefore, Jack Ma is actually not worried about users not repaying their loans, although bad debts may also occur. However, there is one situation where repayment is not required, that is, after a person dies without any deposits or inheritance, Alipay can only treat it as a bad debt, and users do not need to repay it. The proportion of this situation is very low, and it is very rare for the hundreds of millions of Huabei users.

1. Huabei, as a consumer loan product, is actually similar to a credit card. It gives you money to spend in advance and you pay it back on time without any interest. But this is also one of the sources of debt. There have been many examples of "using credit cards to support credit cards", and eventually fell into a situation where the debts were piling up. Therefore, for young people, they still need to control their desires, plan their monthly expenses reasonably, and do not let themselves fall into a passive situation.

2. After more than four years of development, Huabei has more than 200 million users, and there are more and more consumption scenarios. From online e-commerce shopping to offline supermarkets, convenience stores, restaurants, etc., you can use Huabei. In 2019, we also cooperated with China Mobile to launch a mobile flower card, which allows you to enjoy the payment of flowers a few days later.

3. Previously, Huabei’s repayment date was set on the 9th of each month, but some companies may pay wages on the 15th or even the 20th. Huabei once again shows its "caring" On the other hand, two new repayment dates, the 15th and the 20th, can be selected, allowing you to have enough wages to repay. In addition, Huabei’s quota ranges from 500 to 50,000 yuan.