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花唄逾期了怎么申請分期還款 逾期會影響征信嗎?

最后更新:2021-10-15 09:56:05來源:股城網

花唄是螞蟻金服推出上線的消費信貸產品,性質與信用卡一樣,可以讓用戶享受到“先消費,后付款”的購物體驗。最近有用戶表示,花唄逾期了怎么申請分期還款?還有,逾期多久上征信?進來了解一下。

據了解,花唄逾期以后,用戶要對賬單申請分期還款的話,可以主動聯系支付寶客服進行申請就可以。如果確實存在暫時無能力還款的,支付寶為了收回款項,也會酌情考慮的。但如果用戶有還款能力,這時候肯定會被拒。

根據支付寶官方規定來看,部分花唄用戶已接入央行征信,逾期超過3天的,記錄就會上傳到央行征信。另外,花唄逾期記錄也會報送至芝麻信用,影響用戶的芝麻分,在使用支付寶其他借貸產品的時候,是會有影響的。

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