The popularity and rapid development of the Internet have indeed brought a lot of convenience to our lives, and now we are moving towards the footsteps of the Internet of Everything. Now everyone is away from home, even if they don't have cash, they can complete the payment with only one mobile phone. Now as long as weChat and Alipay on the mobile phone, or the bank card has money, you can complete the quick payment by scanning the two-dimensional code, which is quite convenient. Even in the case of insufficient funds, if you open a consumer credit product such as Huabei, you can also make overdraft consumption, and the consumption amount of each user is different, about 500 to 50,000 yuan.
Most people "uninstall" the software and refuse to repay the payment
When consumers buy items, they can advance the amount in Ant Huabei in advance, so that they can consume first and then pay, and they can repay after the bill day comes out every month. After repayment, the amount will be released again, which also reduces the pressure on many people's lives, especially in the case of shortage of funds, which is indeed a solution to the urgent need. For the use of Huabei people, some people in the use of the end, but there is no money to repay, so chose to directly uninstall the software, do not intend to repay, because many people choose to follow the trend, directly uninstall the software refuse to repay, so that Huabei was directly owed 300 billion.
Many people said that ma yun is not a big loss, so much money even Ma Yun can not stand it, ma yun once said in an interview with the media, this kind of uninstall software behavior is an empty toss. Alipay is bound to our basic information, of which ID card and mobile phone number and other information are tied together, a little overdue repayment, which will affect the credit problem, now Huabei has been on the credit, if overdue or not repaid, there will be a record of dishonesty on the credit. Nowadays, credit information is very important for each of us, especially in this era of big data, once there is a negative record of credit information, it will affect all aspects of life in the future.
What are the consequences of not paying back the money?
For example, if you want to buy a house or buy a car, you need to take a loan from the bank, there is no such qualification, there are overdue people, even if the money is paid off, itself in some areas of the house loan has preferential treatment, this discount will also be greatly discounted, or can not enjoy the discount. There is a problem with the credit report, indicating that the quality of this person is also a problem, and if he goes to some units with higher requirements or goes to school, he will also be affected. In particular, those who are included in the credit blacklist belong to the real "lao lai", such people can not take some transportation such as high-speed rail, planes and trains, and their children who want to go to private schools will also be rejected.
When the debtor borrows money and does not pay back, the emergency contact left above will also be notified by the call and sms of the dunning, often the emergency contact is left by their own family, in this case, the family is harassed caused by the trouble is also very large, as long as the money has not been owed, such a dunning phone will not stop, want to escape is useless, in this era of big data, as long as you use the bank card, mobile phone card, etc., your location will be mastered, everywhere will be affected.
Credit must be well raised
Since Ma Yun dares to open such a consumer credit product that is used first and then repaid, it means that he is not afraid of others not paying back, and in the case of overdue, there will be a revolving interest, which will only lead to more money owed, if you want to live in the future is not affected, only repayment can be done, even if it is repayment, credit will be in a blacklist state within 5 years, it is reported that it will be restored after about 5 years, during which there can be no overdue, you need to raise the credit report well. Usually, if you also use flowers, you should still pay attention to your own economic situation, do not blindly use, so as not to have insufficient economic ability.