中文版

借呗逾期一天会怎么样：后果与影响

借呗是支付宝推出的一款个人消费贷款产品，方便快捷的借款方式深受用户喜爱。然而，如果借呗逾期一天，会产生哪些后果和影响呢？

一、罚息

借呗逾期一天，首先需要支付一定的罚息。罚息的具体金额会根据逾期天数和借款金额来计算，逾期时间越长，罚息金额越高。

二、信用记录受损

借呗逾期一天也会对个人信用记录造成一定的影响。逾期记录会被记录在个人征信系统中，这将对个人未来的贷款申请、信用卡申请等金融活动产生不利影响。

三、借呗额度降低

逾期一天还可能导致借呗额度降低。支付宝系统会根据用户的还款情况、信用记录等因素来动态调整借呗额度，逾期还款可能导致额度下降。

英文版

What Happens If You Miss a Repayment by One Day on Jiebei? Consequences and Impacts

Jiebei, a personal consumer loan product launched by Alipay, is deeply loved by users for its convenient and quick borrowing method. However, what consequences and impacts will arise if you miss a repayment by one day on Jiebei?

1. Penalty Interest

If you miss a repayment by one day on Jiebei, you will first need to pay a certain amount of penalty interest. The specific amount of penalty interest will be calculated based on the number of days overdue and the borrowed amount. The longer the overdue period, the higher the penalty interest amount.

2. Damaged Credit Record

Missing a repayment by one day on Jiebei can also have a certain impact on personal credit records. The overdue record will be recorded in the personal credit system, which will have a negative impact on future financial activities such as loan applications and credit card applications.

3. Reduced Jiebei Limit

Missing a repayment by one day may also result in a reduction in the Jiebei limit. The Alipay system dynamically adjusts the Jiebei limit based on factors such as the user's repayment status and credit record. Overdue repayments may lead to a decrease in the limit.