After Alipay is frozen, if there are outstanding debts and customers want to repay, it is actually the original repayment method. Because the flowers are frozen, it does not affect the repayment, but it can no longer be consumed. The automatic repayment function is turned on by default, so if the customer wants to repay, he only needs to deposit the money into the balance of Alipay account or the bound debit card or Yu 'ebao. After the customer deposits, the system will generally deduct the corresponding amount for repayment immediately (it will be deducted according to the repayment order, and the default repayment order is Alipay account balance, debit card shortcut/cartoon, balance treasure, and customers can also set the repayment order by themselves, with the bank card at most 18). If the repayment date is not reached, the system will deduct the money on the repayment date. If the repayment date is overdue, the system will generally deduct the money immediately after the customer deposits. The sooner customers save money, the sooner overdue debts can be paid off.

Consequences of overdue

1. In case of default interest, 50% interest will be added.

The intensity of penalty interest varies with lending institutions. Citibank's penalty interest rate is 50% higher than the original interest rate, and the penalty charged by small loan companies may be higher. Adding late fees will be scary.

2. Pull into the blacklist and record it in the bad credit file.

The name of the lender will appear in the internal system of the bank the day after the deadline, and the credit report will inevitably leave a bad record. And can be preserved for more than 3 years and less than 7 years.

3. Affect future loans and credit cards.

As long as you enter the blacklist, mortgages and car loans will be affected. Penalty interest is only a loss of money, and a bad credit record is a loss of intangible assets, and its influence cannot be compensated by money.

4. You can't enjoy preferential loans or even apply for loans.

For mortgage loans, if there are many overdue repayment records in the past loan records, even if they are not blacklisted, they may not be able to obtain the preferential interest rate of bank mortgage smoothly, or even be refused a new mortgage, except for the penalty interest for overdue repayment.

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