1. According to the current situation, if your ant flower garden is overdue for one day, as long as it is handled in time, it will not have much impact on the credit investigation.
2. In addition, according to the official disclosure of Ant, Ant Ash currently has a three-day grace period for repayment. During this grace period, your personal credit will not be affected if you don't repay in time. It will be overdue in more than three days, which will affect your credit information.
3. According to the requirements of credit reporting, Bai Hua has submitted relevant records to the national credit reporting system, including the date of account opening, credit line, repayment and the use of the line. Therefore, if users use flower buds, even if they are overdue for one day, the repayment situation will be displayed in the credit report. In short, after Bai Hua's credit investigation, your personal credit investigation report will contain information such as the amount and overdue. Personal credit is equivalent to a personal business card, which allows relevant institutions to pay attention to and trust their credit status and better provide users with lending services.
1) Precautions for flower buds overdue: within 7 days overdue: flower buds can be used normally at this stage. Only a certain amount of overdue fee will be charged from the date of overdue, and the overdue fee will be charged at 0.05% of the amount owed every day. The calculation formula is: overdue interest = payable amount *0.05%* overdue days. As long as the repayment is made at this stage, the sesame credit score and glistening quota may be reduced, but it will not affect the continued use of glistening. Overdue within 7-30 days: Bai Hua cannot be used normally at this stage. However, at this repayment stage, you can apply for reopening or restoring the line, but whether to restore it is subject to the system notice. Over 30 days overdue: Bai Hua cannot use it for a long time. If the credit record of subsequent online shopping is good, it may be as short as 1 year and as long as 3-5 years, and the Bai Hua license may be re-opened.
2) The cooperation between Bai Hua and the bank will not only help to respond to the reasonable consumption demand of users, but also help to better manage risks, reduce capital costs and service costs, and make contributions to the development of the industry. Through big data calculation and risk management model, combined with the credit history and spending power of Xiaobai users, Ant Xiaobai gives the corresponding quota.