One month. If you do not repay within one month overdue, if you are not expected to repay, you will be blacklisted, which will have an impact on future loans.

If Huabei charges interest after it is overdue, if the payment is not repaid before the due date, interest will accrue to the corresponding period. Overdue interest will be charged at 0.05% of the unpaid amount in the current period on a daily basis. For example, you have to repay 10,000 yuan in April, but you only repaid 5,000 yuan before April 10. When you repay on April 14, there will be overdue interest of 10 yuan (formula: 5,000 yuan × 0.05% × 4 days). Impact on personal credit: If the repayment period is not exceeded for one month, it will not affect your credit record, but you will have to pay more interest. If it exceeds one month, it will be on your credit record.

1. Ant Huabei is a consumer credit product launched by Ant Financial. After applying for activation, you will receive a consumption limit ranging from 500-50,000 yuan. When users are consuming, they can prepay Ant Huabei's credit and enjoy the shopping experience of "spend first, pay later". On August 4, 2016, Ant Huabei’s consumer credit asset-backed securities project was listed on the Shanghai Stock Exchange. This was also the first Internet consumer finance ABS on the Shanghai Stock Exchange. As of January 2018, Ant Financial has taken the initiative to invest 8.2 billion yuan in two small loan companies, raising the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would open to banks and other financial institutions. It was reported on September 22, 2021 that Huabei has been connected to the central bank’s credit reporting system. If users refuse to access, they will not be able to use it.

2. Since it was officially launched in April 2015, it is mainly used for shopping on Tmall and Taobao. It has been loved by consumers, especially those born in the 80s and 90s. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas. Only half a month after Ant Huabei was launched, more than 1.5 million merchants on Tmall and Taobao have opened Huabei. Many merchants that respond faster have begun to modify product descriptions and directly add the words "Support Huabei" in order to attract consumers more accurately.