After receiving the text message or phone call, if the payment is still unpaid, the flower shop service provider will send a payment notice. Usually this situation is to prepare for future prosecution. Please develop a good repayment habit, repay on time, and avoid being sued after the deadline.
2. If the flower garden is overdue, you should pay off the loan in time, and call Alipay customer service (customer service telephone number: 95 188) to explain the overdue reasons and repayment willingness. You can bind the bank card in Alipay. If the user forgets to repay, the system will automatically deduct money from the card on the last repayment date.
Extended information:
Consequences of expired flowers:
1. generates high penalty interest.
Although the flower garden does not charge fees like the private lending platform, it will still charge a certain fee after it is overdue, and interest will be charged on a daily basis at 0.05% of the outstanding amount in the current period. If this penalty interest is not paid back, it will always be kept in the user's Huabai account and will be regarded as arrears when it expires.
Overdue fee = overdue amount * overdue days *0.05%. For example, if the flower garden is overdue by 5,000 yuan and paid 30 days later, the penalty interest to be paid is: 5,000 * 0.05% * 30 =150.
2. Affect the sesame credit score.
It is difficult to improve the credit score of Alipay, but as long as it is overdue, it is really simple to reduce the credit score. If the sesame credit score is lowered, it will have a certain impact on users' future use of Ali products, and the entrance to Bai Hua may be permanently closed.
In addition, Alipay involves more and more fields, and users with high credit scores can enjoy services such as free deposit and credit visa. , and users with expired flowers can't enjoy these services.
3. Affect credit reporting.
In the past, if the flowers were overdue, it might not directly affect the credit information, but it would reduce the sesame credit score.