How many days can a loan be overdue?

The number of overdue borrowing days is divided into three situations: within 3 days, 3-15 days, and more than 15 days. The penalties for different days are as follows: overdue interest will be charged, the credit report may be affected, the credit report will be displayed as "overdue" and there will be further penalties.

How many days can a loan be overdue?

Jiebei is a loan product launched by Alipay. There will be varying degrees of penalties after overdue. The specific number of overdue days is as follows:

1. Overdue interest will be charged within 3 days

• , and the interest will be calculated at 50,000 per day
• No Affecting credit reporting

2. 3-15 days

• Charging overdue interest
• may affect credit reporting, but credit reporting The letter will usually show "not repaid on time" and will not show "overdue"

3. More than 15 days

• will be collected Overdue interest
• The credit report will be displayed as "overdue"
• The account may be frozen by Alipay

Overdue consequences

After the overdue period exceeds a certain period, Alipay may take the following measures:

• Collection calls and text messages
• Report overdue information to Sesame Credit Lending
• Freeze Alipay account
• Submit overdue records to the central bank’s credit reporting system

Overdue repayment suggestions

• Repay as soon as possible after overdue to avoid Impact on credit report
• Contact Alipay customer service to negotiate a repayment plan
• If you have financial difficulties, you can apply to Alipay for deferred repayment
• Avoid frequent overdue payments, otherwise Alipay's credit will be seriously affected And the possibility of borrowing money on other platforms

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