1. Financial difficulties: overdue repayment may be related to poor personal economic situation. You may be faced with insufficient income, accumulated debts or other financial pressures, resulting in the inability to repay the loan on time.
2. Interest and late fees: As a financial tool, Alipay will charge corresponding interest and late fees for overdue repayment. These extra expenses may increase your overdue debts and increase the difficulty of repayment.
3. Lack of reasonable repayment plan: Lack of reasonable repayment plan is also a common reason for overdue repayment. If there is no good financial planning and repayment arrangement, even if it is able to repay, it will lead to further delay in repayment.
To sum up, if you encounter the situation that Alipay is overdue for one and a half years, I suggest you take the following measures:
1. Contact Alipay customer service: get in touch with Alipay customer service department to explain your situation and seek appropriate solutions. Options such as installment payment, partial fee reduction or rescheduling may be provided.
2. financial planning: evaluate personal financial situation and make a reasonable repayment plan. Reduce unnecessary expenses and reasonably allocate income for repayment according to one's own economic situation.
3. Seek help: If you are in serious financial difficulties, you can consider seeking help from relatives and friends or consulting professional financial institutions or debt consulting institutions.
please note that the above suggestions are for reference only, and the specific solutions may vary according to individual circumstances. It is important to take timely action and communicate with relevant parties to find a solution to the problem. I hope you can solve the problem of overdue payment of Alipay as soon as possible and restore a good credit record.