1. Bai Hua is a consumer credit product launched by Alipay, and overdue behavior will affect personal credit records.

2. In China, credit reporting agencies mainly include the Credit Reporting Center of the People's Bank of China and other cooperative commercial credit reporting agencies, which record personal credit information and generate credit reports.

3. After 30 days overdue, Alipay will submit the overdue information to the credit reporting agency, which will further affect the personal credit record.

4. Credit record is very important for personal credit evaluation, which will affect the credit decision in loan, credit card application and lease.

5. The longer the overdue behavior lasts, the more serious the negative impact on personal credit record and credit score.

Summary: flowers will be collected at the meeting 30 days after the deadline, which means that personal credit records will be affected. Paying off debts in time is an important way to maintain personal credit. In China, you are advised to properly manage your Bai Hua account to avoid overdue repayment.