Is Ant Huabei considered a campus loan? In life, many netizens use various online shopping platforms for shopping. With the development of some Internet loans in recent years, many netizens now have They have also begun to use some shopping loans. Recently, more netizens have used Ant Huabei. However, many netizens do not know whether Ant Huabei is considered a campus loan? Are the consequences of not repaying Ant Huabei serious?

The editor has brought a detailed introduction on whether Ant Huabei counts as a campus loan:

Does Ant Huabei count as a campus loan?

Loans are commonly used in people’s lives nowadays. Yes, there are many types of loans, usually divided into mortgage loans and credit loans. There are also many ways to get loans. In addition to common bank loans, there are also local small loan companies. However, loans are also accompanied by risks. Borrowers need Choose based on your own financial capabilities. However, Ant Huabei does not count as a campus loan.

Are the consequences of non-repayment of Ant Huabei serious?

Are the consequences of non-repayment of Ant Huabei serious? Ant Huabei is a "buy this month, pay back next month" provided by Ant Micro-Loan "Credit online shopping service, you can use Huabei to pay when shopping, and repay the money next month after confirming the repayment. Huabei has just been launched not long ago, and only those with a Sesame Credit score of 600 or above have the opportunity to apply for Huabei. Although it is easy to borrow money on Ant Huabei, you still have to pay attention to repaying it on time. Are the consequences of Ant Huabei's non-repayment serious?

First, if there is no repayment in the short term, Ant Huabei will understand that users have temporarily forgotten to repay, so for the first time, it will warmly remind users to repay in time through a kind way. Payment, SMS notification. This is the so-called "courtesy first, then attack".

Secondly, if the user is still indifferent after being notified by SMS and does not repay the loan in time. If the user has cash in his Alipay account, Ant Huabei will automatically deduct the money from Alipay to fill the outstanding balance in Ant Huabei.

Third, if no money is deposited into Alipay, Ant Huabei staff will call the user during working days to collect payment. .

Fourth, if the money is still not repaid after calling for payment, it will affect the user’s Zhima points. In severe cases, it is very likely that the Zhima points of his relatives and friends will also be implicated. . Because Ant Huabei has undergone real-name authentication, Ant Huabei is well aware of personal information. It can learn the accounts of users’ relatives and friends through the Alipay address book, thus affecting the Sesame points of friends in the address book. They It is also because Sesame Credit points are reduced due to users’ non-repayment.

Fifth, if the situation is very bad and multiple reminders fail, then Ant Huabei Company may transfer the debt to the debt company for intervention. We can imagine the methods of debt companies. Their methods may make users lose face or even be reported to Ant Huabei. Then this is not just a matter of thousands of dollars, but also involves economic violations.

Sixth, when one day users realize that the consequences of Ant Huabei’s non-repayment are very serious, and then want to make up for the overdue money, then its interest will be quite expensive. , the user must settle the principal plus interest and handling fees together before the debt recovery will be suspended. Moreover, the interest rate of Ant Huabei is 50% per day, and this expensive interest rate is enough to make people breathless.