Lending Bao is a loan software launched by Alibaba Group, which can mainly make interest-free prepayment loans through Alibaba's Ant Financial Service. Of course, unlike ant flower beds, which can only be used to pay for Taobao shopping, the money borrowed by ants can be legally controlled by users.
The loan is connected to the credit information system, and the monthly usage will be submitted irregularly. If it is overdue, it will produce bad credit records, but the overdue time is within 30 days and the amount is within 1 1,000 yuan. Remediation before reporting may not affect credit.
I'll borrow it. I will report at the meeting if it is three days overdue. According to the official news of Lending Bao, Ant Lending Bao can borrow money for 3 days, that is, after 3 days in loans overdue, the borrower's overdue record will be reported to the central bank's credit information system. Although the overdue borrowing by ants within 3 days will not affect the personal credit, it may have a negative impact on the sesame credit score, thus affecting the credit line of the loan.
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. 202 1, 1 1 year1October, the name of the loan was changed to "credit loan", and it was clearly stated that the service was provided by the bank.
Loan repayment will be overdue if it is not timely, and loan repayment is related to credit investigation. If the loan is not repaid in time, it will also affect personal credit information, and loans to buy a house and a car will be affected in the future. Therefore, the impact of borrowing is still great. In order to avoid causing other troubles, you should repay the loan in time. Excuse me. Under normal circumstances, repayment cannot be postponed. Although the loan can be repaid after consumption, it cannot be repaid after the last repayment date, and there is no minimum repayment function. Users can only repay in full and on time to avoid overdue. If the user does not repay the loan, it will generate additional overdue fees, and it will also affect the personal credit status. If the default time is too long, you may be restricted from using the loan. If you need to postpone repayment, you can ask customer service to explain the situation, such as the inability to repay due to some uncontrollable factors.