First, it is recommended to apply for a formal bank loan.
In daily life, if you really need financial support for life reasons or special things, I personally suggest that you need to go to the bank to apply for a formal loan. All banking behaviors of banks are fair and just, and there will be no routine. As long as it meets the requirements of the bank, you can submit an application to the bank. If you only need a small loan in the bank, the bank can judge the credit card issuance according to the degree of personal use and personal credit. If you need a high amount, you can borrow money within the scope of the bank's authority, or you can have high-value property.
Second, Alipay will say no to all non-repayment behaviors.
Borrowing money and spending money are both loan projects on Alipay platform. Although the platform does not specify how long it will take to upload bad credit information to the credit information platform, nor does it specify how long it will take to file a public prosecution, according to online statistics, if the loan is not repaid as scheduled within three months, Ant Financial will upload the amount that has not been repaid as scheduled on Alipay platform to the credit information platform. After more than three months, a public prosecution will still be filed with the court and a summons will be issued to the user.
Third, cherish personal credit information and never overdue.
Up to now, there are still many people who are lucky. They believe that online lending is because the other party has never seen the true face and cannot recover debts from them. Their own legal consciousness is weak, which leads to the birth of a greater crisis without knowing it. If you are lucky enough to owe money maliciously, Alipay will sue all users who owe money, and will not tolerate their cases, which will not only affect personal credit information, but also bear legal responsibility.