First, Alipay cooperates with China Railway Customer Service Center to restrict high-speed rail services for overdue users. When the borrower is overdue for a certain period of time and the amount owed is high, Alipay will blacklist users and restrict them from buying high-speed rail tickets. This is because overdue repayment means that the borrower fails to repay on time, and bad credit will affect the qualification to take the high-speed rail.
Second, overdue users may also be included in the list of untrustworthy executors of the Civil Aviation Administration, thus limiting their flight opportunities. According to the regulations of the Civil Aviation Administration of China, individuals with serious dishonesty will be included in the list of people who have been executed for dishonesty, including overdue loans. Overdue users who are listed will not be able to purchase air tickets or the tickets they have purchased will be cancelled, so they cannot fly.
To sum up, overdue loans will have a negative impact on personal credit, which may lead to limited high-speed rail and aircraft services. This is because Alipay blacklists overdue users or lists untrustworthy people as restrictive measures against overdue behavior.
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In addition to high-speed rail and aircraft services, overdue loans may also affect other services. For example, overdue users may not be able to obtain personal credit loans, automobile mortgage and other financial services, and may also be restricted by the application and use of credit cards. In addition, overdue repayment will also affect personal credit records, which may affect future loan approval and quota setting.
It should be noted that the above answers are all based on particularly successful examples of borrowing, and the actual situation may be slightly different. As a loan service of Alipay, overdue behavior will be restricted by Alipay's restrictive measures and related policies. The specific restrictions and impacts are different according to the individual's overdue situation and Alipay's regulations. It is recommended that the borrower repay the loan in time to avoid overdue.