Thank you for the invitation!
I will answer you based on my experience. I believe everyone knows the consequences of Alipay's overdue payment. Here I would like to remind you again:
1: After the overdue payment, faces a storm-like collection. At the same time, the platform's credit branch will be lowered.
2: After the overdue payment, the liquidated damages are calculated at 5% of ten thousand per day.
3: After the overdue payment, it will be directly reported to the credit report. After the credit report, the overdue record will remain for 5 years. Within 2 years, credit cards and micro loans will be basically rejected in seconds, which will also affect car loans and mortgages.
Alipay, Huabei, Jiebei overdue negotiation is difficult, but it is not completely impossible to negotiate.
Currently, Alipay has only one policy, which is to extend the term one to three years, the size of the term limit, the longer the extension is.
can call the official phone number of the platform before it is overdue to explain your situation. Then provide information as required for consultation application, such as poverty certificates, etc. The platform will review the user's application after receiving the user's application, and the final agreement will be notified by email or other means.
If it has been overdue, there will be a special post-loan management department to contact you, which can also explain the situation. However, judging from the feedback from most users, the possibility of applying for negotiated repayment is relatively small. If the negotiation has been successful, you only need to repay according to the new repayment plan in the future. Be careful not to overdue the new repayment.
If the negotiation is not successful and it is only temporary difficulties, you can contact relatives and friends to turn over or ask customer service to ask if there are any delayed repayment coupons to be collected. If the reasons are sufficient, you can usually get it. If there is a problem with the source of economy, we need to start from increasing economic income and improving repayment ability.
