If Huabei is overdue for 3 days, please report it to your credit report. Overdue payment will affect the normal use of Alipay.

According to Alipay’s latest regulations, some Huabei users have accessed the central bank’s credit reporting system. If they are overdue for more than 3 days, their records will be uploaded to the central bank’s credit reporting system. At the same time, overdue records will also be reported to Zhima Credit, which will affect the user’s Zhima points. A decrease in Zhima points will affect the normal use of Alipay’s other credit products.

If the user does not sign an authorization letter for personal credit information inquiry and submission, the overdue Huabei will affect the Zhima credit score, but will not be listed in the credit report. The lower the Zhima credit score, the more difficult it will be for the user to obtain loan services.

Overdue payment in Huabei will result in the freezing of Huabei, the inability to use some of Alipay’s rights, a decrease in Sesame Credit points, the inability to lend on other Alipay lending platforms, and being included in Alipay’s blacklist. There are various impacts such as high overdue fees every day, debt collection, and lawsuits from Alipay.