If you can't afford to repay on time after using Huabei or borrowing, you can consider the following ways to deal with it:
Apply for a deferral of repayment**: Alipay has a deferred repayment policy, depending on the size of the amount owed, you can negotiate the time of deferred repayment.
Installment repayment or minimum payment**: To ease the repayment pressure, you can choose between the statement date and the repayment date in installments or the minimum payment. Although these two methods will incur additional costs (installment fees or interest), they can avoid the adverse effects of overdue.
Seek help from family and friends**: Borrowing money from friends and family for turnover is also a solution. This avoids overdue and may result in lower borrowing costs.
Contact customer service to negotiate repayment**: If you are overdue and temporarily unable to repay, you can try to contact Alipay customer service to apply for negotiation of repayment. During the negotiation process, you will need to provide relevant supporting documents and show a willingness to repay the loan.
Overall, there are a lot more ways you can consider dealing with it. However, it should be noted that although debts do not require criminal liability, basic civil liability must be assumed, that is, debts must be paid off. Failure to do so will also result in high penalty interest and may be subject to the risk of collection or legal action. Therefore, it is advisable to take steps to deal with overdue issues as early as possible and plan your finances reasonably in the future to avoid similar situations.