2. Although Alipay reports the credit information to the central bank once a month, according to the official customer service, once the overdue records are generated, the overdue records will directly enter Sesame Credit and be uploaded to the basic financial credit database as required. In other words, once loans overdue, it will enter your credit information system. There is no grace period, so don't take any chances.
3. Borrowing will affect your handling of bank loans, because borrowing is mainly connected with Ali Small Loan, so the credit report is likely to be reflected in the credit loans issued by small loan companies. "This is likely to make it impossible for individuals to apply for credit loans in most banks, and they can only apply for bank credit loans after the small loans have been settled for half a year.
borrow
Credit loan (formerly known as Lending Bao) is a loan service launched by Ant Financial Services Group relying on Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. When borrowing money, users can choose to lend money to Alipay account and bound savings bank card for personal consumption, decoration, travel and so on.