1. Will Alipay really reduce the interest if it negotiates a two-year extension of repayment?

After the negotiation is successful, the penalty interest can be reduced and only the principal and interest due will be returned. Alipay is a domestic third-party payment platform. It was launched on October 15, 2003. It was originally a department of the website Taobao and officially operated independently on December 8, 2004.

2. Is it true that Alipay is overdue?

Hello! This is definitely true! But it will only come to you when the communication with you is fruitless. If you communicate well with the other party, it is not good, but it will have a certain impact on your Alipay account.

3. Is it true that Alipay helps negotiate overdue payments?

Really

95188 is actually Alipay’s customer service number. If Alipay users have overdue loans or Huabei, and are sure that they are unable to repay, they can call 95188. Negotiate repayment. Judging from the feedback from actual users, there are indeed examples of successful negotiations when calling 95188.

However, it should be noted that not all debtors can successfully negotiate overdue repayments with Alipay. According to relevant regulations, only if the debtor is overdue or unable to repay the debt due to force majeure of a third party, the financial institution must agree to the debtor's negotiated repayment.

According to Alipay’s official instructions, Alipay users can call 95188 to negotiate repayment after their loan is overdue for more than three months. Customer service will arrange a dedicated person to decide whether to negotiate repayment with the user based on the user's actual overdue situation and repayment ability.

4. Is it useful to negotiate overdue loans on Alipay?

If your Alipay loan is overdue, you can call 95188 for negotiation. In fact, it is impossible to negotiate successfully. This is a formal loan business, and users must repay according to regulations. The Alipay platform provides a wide range of businesses and services, and has settled on a large number of lending platforms. You can directly enter your online loan service number in Alipay to apply for a loan. There are many ways to apply for a loan on Alipay. You can apply for loans from Jiebei Loans, Online Business Loans, China Merchants Union Hao Long-term Loans, Lai Installment Loans, China Post Consumer Finance, Baoyin Consumer Finance, and Guangfa "Hao Lianqian" loans. Some people repay on time, and some repay late. Some netizens shared their personal experience of an Alipay loan that was overdue for one year: within 10 days of overdue payment, calls would be made to collect the money; penalty interest was calculated every day until the overdue repayment was repaid; and overdue repayment started on the next day. , the credit report will show stained records. In serious cases, it may even be punished.

Extended information: 95188 is actually the customer service number of Alipay. If Alipay users have overdue loans or Huabei, and they are sure that they are unable to repay, they can call 95188 to negotiate repayment. Judging from the feedback from actual users, there are indeed examples of successful negotiations when calling 95188. However, it should be noted that not all debtors can successfully negotiate overdue repayments with Alipay. According to relevant regulations, only if the debtor is overdue or unable to repay the debt due to force majeure of a third party, the financial institution must agree to the debtor's negotiated repayment. According to Alipay’s official instructions, Alipay users can call 95188 to negotiate repayment if their loan is overdue for more than three months. Customer service will arrange a dedicated person to decide whether to negotiate repayment with the user based on the user's actual overdue situation and repayment ability. In reality, if the debtor calls 95188, the solution most likely given by customer service is "a certain interest reduction or exemption." If the debtor applies for a deferral of repayment but is later unable to repay it, and wants to call 95188 again to negotiate a second installment, the likelihood of success is very low. There are also users who do it, but the number is very small.