In fact, Alipay has long expected that some users will not be able to repay their loans within the time limit, so it has taken many measures to prevent this. For example, users who fail to repay the loan within the time limit will be fined five ten thousandths of a day, and the loan amount will be stopped. In severe cases, the number of available loans will be reduced.
Not only that, Alipay has also established its own credit system. Now, it is not only necessary to reach a certain credit value, but also to directly turn off the user function of Bai Hua when the credit value is lower than a certain level. Not only that, when Alipay's credit value is low to a certain extent, it will also cancel the rights and interests of some users on shopping platforms such as Tmall and Taobao. At this time, some people will say that after I owe money, I will uninstall Alipay and pay with WeChat in the future. In fact, this is not enough. We all know that registering Alipay requires real-name authentication, but we may not notice that Alipay will also ask the user's address book when using Alipay, which is also the "back road" that Alipay left for itself.
Ordinary people should not try this overdue credit, because they must pay it back in the end. After all, you have to pay it back when you mix it up. Nobody can take advantage of anyone! If you don't know the big data of credit information, you can check the official accounts of WeChat one by one on WeChat and get a big data report, which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information and blacklist of online loans.
If the user does not pay back the money, Alipay will call the user's family and friends to remind the user to remember to pay back the money. If all the friends around the user receive such calls, then this person will lose credit and it will be difficult for him to survive.