1. Default record: overdue repayment will be regarded as one of the default records, which will adversely affect personal credit rating. The default record in the credit report has a great negative impact on personal credit evaluation, which may affect the application and approval of financial services such as loans and credit cards in the future.
2. Bad credit record: After overdue repayment is reported to the credit information system, it will become one of the bad credit records. This will have a lasting adverse impact on personal credit rating, and persistent bad records may lead to more difficulties in the financial field in the future, and even be refused to provide services.
3. Decline in credit rating: The credit rating system evaluates the credit rating according to personal credit records, and overdue repayment will lead to a decline in personal credit rating. The decline of personal credit rating will affect future loans, credit card approval and interest rates, and even have a negative impact in some industries (such as renting a house).
To sum up, the overdue repayment of Alipay reserve fund will be reported at the meeting one day, which will adversely affect personal credit. In order to understand the personal credit status and do a good job of self-assessment in advance, users are advised to check the big credit data online, understand personal credit records, take timely measures to improve personal credit status, ensure timely repayment, and maintain a good credit record.