2. Alipay is a loan service for personal consumption, and the applied loan can be credited to Alipay account. The loan of ant loan will not produce bad credit record. If the circumstances are serious, it will be prosecuted by the lending institution and the borrower will bear the corresponding responsibilities. Many loan platforms have begun to link with the credit information system, and it has become an inevitable trend for credit information to enter the People's Bank of China. In the future, if overdue loans of online lending platforms are entered into the People's Bank of China's credit information system like bank loans and credit cards, it will cause credit stains. If the borrower defaults on repayment for a long time or deliberately fails to repay, after exceeding 2,000 yuan, it constitutes a crime of fraud and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower will not only pay the due amount, but also pay the litigation costs and huge fines of both parties, and even face jail time. Overdue loans will produce bad credit records. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, you will leave a stain on your personal credit report. This little stain will form great resistance to your future loan and credit card application. Borrowers can't lose money because of trifles. Overdue loans will incur additional costs. When signing a loan contract, there are usually some terms for overdue loans. Overdue loans usually generate penalty interest. Different financial institutions have different amounts of penalty interest and interest, but as a kind of fee that should not be paid, it is best not to cause this situation.
To cancel the Alipay account, first, open the mobile phone Alipay. Once in, click on my right. Then go to my screen and click "Settings" in the upper right corner. After entering the settings, click Security Settings. After entering the security settings, click "Security Center". When you enter the security center of Alipay, you will see the words of permanent cancellation. Just click it. It should be noted that the cancellation of Alipay account must be handled with caution. Once the Alipay account is cancelled, it cannot be restored. The process of canceling Alipay account is irreversible. So before canceling Alipay account, please confirm whether to give up Alipay account. In addition, there are several conditions to be met for account cancellation. Alipay accounts that do not meet these conditions may not be cancelled. Account balance (including integral treasure balance) cannot be cancelled. The balance treasure account has a certain amount and cannot be revoked. There are ongoing transactions in the transaction record, which cannot be cancelled (for example, the account cannot be cancelled within 1 day after the successful withdrawal/card transfer transaction).
Operating environment: Apple 12, ios 14, Alipay version 10.2.3.