Ant Financial Customer Service Hotline: 95 188. After dialing, handle the transfer of flowers and loans according to the voice prompts. Transfer to manual customer service consultation. The success of the negotiation depends on the relevant regulations of Alipay. If Alipay refuses to negotiate repayment, the user must settle the overdue loan amount as soon as possible, otherwise it will affect personal credit. After loans overdue, its function will be restricted and it can no longer be used before the loan is settled.
If you want to negotiate to repay the principal after loans overdue, users need to take the initiative to call Alipay customer service hotline to inform the customer service of the reasons for their overdue; Then submit valid proof materials to prove that your repayment ability is insufficient; Secondly, you need to show your repayment attitude and tell the customer service that you can only repay the principal, not the interest and penalty interest.
Negotiations need to pay attention to ways and means, which are not as simple as everyone thinks. What we need to do is to negotiate with the platform in a scientific way, stop in stages, and let the platform take the initiative to call and negotiate through legal channels, instead of directly looking for the platform to complain about the platform. If the method is not correct, it will only make the collection more frequent and the prosecution procedure will start to enter the procedure earlier.
There will be penalty interest for overdue loans of Alipay, and the penalty interest will be charged at 0.5 times of 65438+ original interest. If loans overdue continues to collect interest on a daily basis, it will also collect a penalty of 1.5 times. Therefore, once loans overdue, the borrower must repay the loan as soon as possible, otherwise there will be a high overdue fee. As long as it is overdue, the system will automatically record the overdue, and it is difficult to borrow it after subsequent repayment. Although the current ant borrowing is different according to the selectivity of lending institutions, overdue will definitely affect sesame credit and greatly reduce integrity. Moreover, as long as the borrower is overdue, the penalty interest will be calculated on a daily basis, and the calculation method is penalty interest 65438+ 0.5 times the normal interest rate.
To sum up, in order to avoid the influence of overdue on personal credit information, it is recommended that you repay in time.