Alipay online merchant loan Huabei did not call after 3 months overdue

Maybe you didn’t receive the call.

There will be penalty interest for overdue Alipay loans. The penalty interest will be charged at 1.5 times the original interest. Then, if it is overdue, not only will interest continue to be charged on a daily basis, but 1.5 times of the original interest will also be charged. Penalty interest, if you want to reinstate the overdue amount, you need to pay the principal and handling fees together before it can be reinstated. The consequences of not answering Huabei’s collection calls

The consequences of not answering Huabei’s collection calls are as follows:

1. You must not ignore credit card collection calls

Many of my friends who have borrowed online loans will force them to go in by not answering the phone after they are overdue, but this method does not work with credit cards.

After the credit card is overdue, you must answer the collection call from the bank. If you do not answer the phone, the bank will think that your contact information cannot contact you, and it will think that the cardholder has overdue maliciously. Then The consequences of this are very serious.

2. The consequences of not answering the credit card collection call:

1. Harassing family members

Although credit card collection can only be targeted at the cardholder, family members are not allowed. Or contact the person for collection. However, if the cardholder does not answer the collection call and the bank cannot contact the cardholder, the bank will call his family or other contacts, and then everyone will know that you owe money on the credit card.

2. Door-to-door collection

Generally, credit card collection will only come to you if the credit card is overdue for more than 30 days. However, if the collection call is not received at the beginning, the bank will confirm whether the cardholder has lost contact. , will arrange for collection personnel to come to the door to understand the situation, which will advance the time for door-to-door collection.

3. Credit card fraud

Credit cards are generally real information. There are three conditions for fraud, namely, the overdraft principal is more than 50,000, the overdue time is more than 3 months, and the bank has used it twice For effective collection (including telephone collection), if all three conditions are met, it will constitute credit card fraud and you will be held criminally responsible.

4. Being sued by the court

The cardholder owes less than 50,000 yuan in principal. If he does not answer the collection call, the overdue time is long, and the amount of debt is large, he will still be sued. The bank sued.

Extended information

Is it serious if Huabei’s lawyer’s letter is sent to your home?

It is serious if Huabei’s lawyer’s letter is sent to your home.

If the party fails to perform its contractual obligations and repay the loan on time for a long time, the party may be sued, and the party should repay the loan as soon as possible.

The law stipulates: One is that the debtor is temporarily unable to repay, and the debtor shall repay it in installments; the other is that the debtor is permanently unable to repay, and the debtor's existing personal property shall be used to pay off the debt. What will happen if Huabei is three months overdue?

1. Positive answer

Under normal circumstances, the platform will not sue immediately after Huabei is overdue, but when it is overdue for a long time, for example, it is overdue for more than three months and there is no active If you are willing to solve the debt problem, the platform may take stricter measures.

2. Specific analysis

If Huabei is overdue for more than three months, you may be prosecuted. In addition, there will be five major consequences.

1. Report the overdue situation to the credit report

After the overdue period, Alipay will report the overdue situation to the credit report, which will leave a bad loan record on the credit report, which will give Carrying out credit activities in the future will cause greater trouble.

The overdue records on the credit report will not be easily eliminated. After the overdue debt is settled, the overdue loan records will be retained for 5 years, which will have a relatively long impact.

2. Will be collected by the platform

Although Huabei will not call family members who are overdue, they will still collect the money from me through phone calls and text messages, urging them to collect the overdue items as soon as possible. debt settlement.

However, regular lending institutions will generally only contact you to collect debt, and will not harass family members and friends. If you encounter some non-compliant debt collection, you can prepare information to report to the relevant departments.

3. A large amount of penalty interest is generated

After the overdue period, in addition to the normal fees, Alipay will also calculate the overdue penalty interest. The penalty interest is charged on a daily basis, and the penalty interest fee is The interest rate is not low when converted into daily interest, which will directly increase the debt pressure.

4. Zhima points are reduced

After Huabei expires, Alipay will reduce the Zhima points. When the Zhima points are lower than a certain level, some services on Alipay may be used. affected.

For example, when the Zhima score is lower than 600, credit products such as Jiebei, Huabei and Wangshangdai will be restricted by the system.

5. Those who maliciously overdue will be prosecuted

If the loan is deliberately defaulted, in this case Alipay will resolve the debt problem through legal channels in order to protect its own interests. , will prosecute malicious overdue users.

So in order to avoid the above situations, you need to maintain good repayment behavior. If you really can't pay the bill, you should also apply for bill installment or minimum repayment in time.

As long as you find: Beijian Quick Check, you can query your online loan big data report with one click, which will include your credit rating score, whether there is a blacklist and other important data.

3. Huabei is three months overdue. Can I still use it after repayment?

Whether Huabei can resume use after overdue repayment for 3 months will be determined by the system's re-evaluation and manual intervention is not possible.

So whether you can continue to use it after repayment and when it can be restored depends on whether the user's credit rating meets the standards.

If it does not meet the standards, it cannot be used.

So users must keep good consumption records and repayment records in order to restore the right to use Huabei. If I owe Huabei 800 for three months, will I still contact my family for payment?

No, I will call you personally. Overdue Huabei will affect Zhima Credit, and untrustworthy behavior will be recorded in personal information files, which will have an impact on a series of personal financial business activities such as future loans. If you are overdue for a long time, you will not be able to use Huabei, and the system will evaluate your eligibility from time to time.

The Huabei repayment method is as follows:

1. First, find the Alipay software on your mobile phone and click to open Alipay.

2. Find the search option at the top of Alipay’s homepage and click to open the search.

3. Enter Huabei in the search and click Huabei.

4. Find my limit and click to open it.

5. If you find the used item, click Used.

6. Find early repayment in Used and click on early repayment.

7. Find Confirm Repayment and click Confirm Repayment.

8. Verify your fingerprint or password in the verification interface that appears.

9. Successful repayment.