There is no official answer to this question.

But according to netizens' feedback, if a borrower is overdue for more than 3 months and refuses to pay, he or she is likely to get credit. If the borrower owes a huge amount of money and has been overdue for more than a year, the borrower is likely to get a credit report.

The borrower's overdue record will definitely be reported to the central bank's credit system. After borrowing in Chanting, the borrower should try to repay the loan on time and in full to avoid late payment. Because once there is a late payment in Chanting, the borrower will face the following consequences.

Sesame credit score reduction. As a product of the same company, Chanting and Sesame Credit Score are interconnected. If a user has a late payment or other violation in Chanting, it will have an impact on the user's Sesame Credit Score, resulting in a lowering of the user's Sesame Credit Score.

Difficulty in borrowing: Many online lending platforms use the borrower's Sesame Credit Score as a criterion when reviewing loans. As a result of chanting overdue will lead to the user's sesame credit score lower.

The online lending platforms will consider the user's credit qualification and willingness to repay as not good enough, and it will be difficult for the user to successfully apply for a loan. As with other lending products, users are required to pay high penalty interest rates if they are late in their spending.

In general, the amount of penalty interest a borrower needs to pay each day is 0.05% of the outstanding amount. May be sued, if the borrower has several egregious overdue behavior, the flower may sue the borrower.

The repayment date for the chanting is the 9th and 10th, which can be seen in Alipay Chanting. The first thing you need to do is to make sure that you have a good understanding of what you're doing and how you're doing it.

The above answer can make you understand that the chants late will be credit, and will freeze the chants, the next introduction to avoid this result of the offense - chants repayment steps:

Open your cell phone Alipay, enter my - Chanting. In the first page of the flower chanting is the remaining amount of credit, as well as the repayment button, click on the immediate repayment.

Now you will see the money you want to return this month, confirm the finance you want to repay, click Repay Now, choose your bank card, enter your Alipay payment password and you will repay successfully.