If the flower is overdue for more than three months, it is regarded as malicious overdue. At this time, regardless of the overdue amount, there is the possibility of being sued. There is also a special case where the overdue amount is relatively large. When the overdue amount is large, Bai Hua can also reserve the right to sue for less than 3 months according to the contract. Therefore, it is suggested that the overdue time of Bai Hua users should not exceed three months.

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.

Even if you are not prosecuted, you will face the following consequences:

1. SMS notification and telephone dunning.

2. Penalty interest: interest will be generated after the deadline. If it is overdue, it can only be resumed if the principal and handling fee are paid together.

3. Reduce the sesame credit score: Not only your own sesame credit branch will be affected, but also your relatives and friends will be implicated and your personal reputation will be reduced. Sesame credit score is below 600.

When we use flower buds, if there is overdue repayment, we will report it at the meeting, so users must not make overdue repayment.

In addition to personal credit reporting, Alibaba also has its own credit system, which is our common sesame credit score. Therefore, if the user's flower garden is overdue, the corresponding sesame credit score will also be reduced, which will affect his rights and interests when using Alipay in the future. If the circumstances are serious, he may no longer be able to use Alipay's flower buds, loan buds and other financial services products.