2. If you are overdue for a long time, Alipay customer service will generally take the initiative to negotiate with you, but it is best not to wait for Alipay customer service to take the initiative, because overdue interest has been increasing, which also affects the credibility of your credit investigation.
First, the signing rules of ant flower buds
1. When paying, the user can select "Ant Flower Flower Payment" and enter a 6-digit payment password to pay. If the contract is not signed, a page will pop up to introduce the ant flower buds, and the contract will be agreed by default.
2. Click "OK and Pay" to complete the payment and sign a contract with Ant Flower Garden.
3. If you don't register for payment on the introduction page of ant flower bud, you can choose to return to the payment page and choose other payment tools to complete the payment. You don't need to enter a password this time.
Second, Alipay Flower Garden overdue notice:
1, overdue within 7 days: the flower buds can be used normally at this stage. Only from the overdue date, Bai Hua will charge a certain amount of overdue fee, and the overdue fee will be charged at 0.05% of the unpaid amount every day. The calculation formula is: overdue interest = payable amount * 0.05% * overdue days. As long as the repayment is made at this stage, it may reduce the sesame credit score and the flower bud quota, but it will not affect the continued use of the flower bud.
2. Expiration within 7 to 30 days: The flower buds 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.
3. More than 30 days overdue: the flower garden cannot be used for a long time. If the credit record of subsequent online shopping is good, the short time is 1 year and the long time is 3-5 years, and the Garden Bureau may reopen.
Flower Garden is an online consumer financial service of "buy this month and return it next month" provided by Ant Financial, which is essentially "credit consumption" and was not used for credit investigation in the past. However, recently Alipay official said that some users have access to the central bank's credit information, and the rest will be covered in batches.
4. If the user sees the authorization for inquiring and submitting personal credit information in the "Related Contracts and Product Description" in Bai Hua, it means that the user's Bai Hua has received the credit information. After accessing the credit information, the flower bud data will be merged and uploaded once a month. At present, regular loan platforms will access the credit information system in accordance with the relevant regulations of the People's Bank of China. Access to consumer loan products with personal credit information will truthfully feed back the borrower's historical usage records, which will help financial institutions to evaluate the borrower's personal credit status. Under normal circumstances, if the borrower repays the loan on time and keeps good habits, the use of flower buds will not have a negative impact on personal credit, but will help personal credit accumulation, which is conducive to future loan applications such as mortgage and car loan.
Operating environment: Alipay version 10.2.38.8200, mobile phone version: vivox27Andord5. 1.