Non-malicious overdue is easy to understand, that is, overdue is because you forgot to repay. As long as we return it right away, there will be no big problem. At most, it will be recorded in sesame credit, not in the central bank's credit information system, and will not affect future bank loans. However, if the debt is not paid off within three days, it will be considered as malicious overdue by the system. At this level, the nature is completely different. If you can't pay back the money temporarily because of the embarrassment of life, at this time, I suggest going to the bank to get a credit card and then paying back the money. But be sure to pay attention to repayment and rob Peter to pay Paul. This method can only solve temporary difficulties.
There is no doubt that the consequences of malignant overdue will be recorded in sesame credit, so don't take any chances. If it is overdue, the ant will pay a penalty interest. The penalty interest is 65438+ 0.5 times the normal interest rate, starting from the first day of overdue. At this time, the system will automatically deduct the money and then make a dunning. If it is serious, it may be blacklisted by Sesame Credit, and all the lending functions of Alipay will be closed, and it will be recorded in the central bank's credit information system, which will affect future work and loans.
Generally, this means that it is overdue after 9 days, which is the evolution of malignant overdue. First of all, it will definitely be recorded in sesame seeds, and the debtor's Taobao and Alipay will be frozen. Money can only go in and out, which will cause the debtor to be unable to use the Ali platform normally. Not only that, but it will also be recorded in the central bank's credit information system, which will affect future work, so you don't have to think about loans. At this level, Alipay will also think that you have started to call customers to repay. When repeatedly reminded, but the debtor still does not return the arrears, then Alipay will take emergency measures to contact the debtor's relatives and friends to understand the situation.
At this level, people who owe money not only have to face the pressure of Alipay platform, but also face the pressure of family and friends. At some point, the pressure from life will be even greater. When the overdue payment is the most serious, then you may receive a letter from a lawyer and even go to jail.