It is true that Alipay may be sued after the expiration date, but this is not the case after the expiration date. The length of time Alipay should choose to operate is freezing and reducing Zhima Credit, issuing demand letters, and finally going through the prosecution procedures.

1. At the same time, for daily interest-bearing products such as Ant Loan, overdue penalty interest is also calculated on a daily basis. It can be said that the pressure to pay off the loan at once is very high. If Ant Financial refuses to execute after being recovered by the court, Ant Financial can request the court to enforce it. Although Ant is a few days overdue and the overdue amount is smaller, the risk of being sued is smaller, but being overdue will definitely have an impact on the credit investigation. Some people suggest that we should not take advantage of legal loopholes and use ants in time. We won't be sued for a long time. We shouldn't be lucky. Paying off your balance as quickly as possible is serious. Otherwise, you will definitely have a disgraceful overdue record on your personal credit record.

2. Overdue Alipay refers to the overdue behavior of Alipay, Bai and other loan products. Everyone signs a contract with Alipay with flowers and loan time. The use of the contract has stipulated repayment obligations. If it is overdue, there is no Money is a breach of contract, and Alipay can go to court based on the contract the user signed at the time. Alipay did not specify. Generally speaking, if the user's overdue amount is large, the overdue time is 3 months.

3. Regardless of whether you sue or not, if Alipay's loan products are overdue, you will face various collection methods and will have the following consequences: Penalty interest: Generally speaking, overdue interest will accrue. When you repay the money later, you need to repay both the principal and the interest. Reduce Zhima score: Overdue payment will still affect Zhima score, and Zhima score may be reduced. Severe delinquency may also involve the Sesame Credit scores of their friends and relatives. Impact on personal credit: Using flowers and borrowing money may also report credit to the Alipay Central Bank, which will naturally affect personal credit. To sum up, the consequences of Alipay’s overdue payment are more serious. Not only will it incur high interest penalties, but it will also affect personal credit. If the payment is seriously overdue, especially if the amount is large, you may even be sued by Alipay.