At present, Huabei and Jiebei have not clearly stated how long they will sue over the deadline, but they will reserve the right to solve the problem through legal means. Therefore, some friends whose overdue behavior is excessive or whose overdue amount is relatively large may indeed be sued by Huabei or Jiebei. Huabei corresponds to the bank's credit card business, and Jiebei corresponds to the bank's consumer loan business. Therefore, its handling of overdue behavior should be similar to that of banks. We can refer to the bank's situation to explain.

Three months before the due date, Alipay will usually make daily phone collection calls to you in the first month, but the phone calls will be ineffective. In the second month, Alipay will entrust a third-party debt company to come to verify the situation. If you haven't repaid the loan in the second month, a lawyer's letter will be issued in the third month informing you that Alipay may initiate judicial proceedings against you. But with Alipay’s current overdue volume, even if your materials have been prepared for prosecution, the court must accept them one by one on a first-come, first-served basis. It won’t be half a year before you go to court!

But I clearly tell you that if the overdue time is too long, your credit report will definitely be affected, and you should pay it back as soon as possible if you have money. Just search: Sky Data, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan based on your own situation. Since you are willing to repay, you might as well give it a try. Call customer service and explain your situation. Focus on making it clear how much you can probably repay every month. There is currently no way to pay off the debt at once. Or use more time to earn money to repay the loan, you need to try it yourself.