If the overdue amount is huge, and it is overdue for more than 1 year, and the mobile phone can't be contacted for a long time, then the overdue record of Huabai is likely to be on the personal credit report of the bank. Don't overdue Alipay flowers. Alipay pays the bill of the last month every month 1. If you really can't afford it, you should also change the minimum repayment amount. This will only generate some interest at most, but it will not be overdue.
Impact of one year overdue: Whenever Alipay is used, it will be automatically deducted, notified by SMS and reminded by phone. Default interest for overdue: interest will be generated after overdue. If it is overdue, it will only be resumed if the principal and handling fee are paid together. Five ten thousandths of a day, ten thousand yuan a day in 5 yuan.
Reduce the sesame credit score: not only your own sesame credit branch will be affected, but also the sesame scores of relatives and friends will be implicated, and your personal reputation will also be reduced. The sesame credit branch will be less than 600. In other words, Bai Hua's "credit investigation" is overdue, but the "credit investigation" here refers to Sesame Credit, not the People's Bank of China. Of course, if there is overdue, no matter what form, it will always have an impact on personal credit. So pay it back quickly if you have money, or it will be overdue! For flowers overdue for several months in a row, Alipay can upload the overdue records to the central bank's credit information system. The overdue records in the personal credit report have a great influence on the future credit life, which is directly related to the credit card application and loan application.
Affect loans and cards: Due to poor credit records, loans to buy a house and a car will have a great impact, and the interest of bank installments may also generate more expenses due to poor credit records. It may be difficult to apply for a credit card again, and even if it is approved, the amount may be low.
If it is serious, it will be prosecuted and punished: if it is overdue, it will be reduced, and if it is serious, it will be prosecuted! If Hua Bai fails to repay the loan seriously within the time limit, he may be sued, just like maliciously overdrawing a credit card, which may become a crime of credit card fraud, but generally the amount is not high and the circumstances are not serious, so it will not be so exaggerated!