After using Cheng E Credit to shop, if the buyer forgets to repay the money, he must pay off the outstanding amount as soon as possible, otherwise continuing to be overdue will cause more serious consequences. After all, the system will report the information of the defaulting buyer to the credit reporting system of the central bank, leaving a bad record in the buyer's credit report, which will damage the buyer's personal credit.

In addition, Alibaba will impose corresponding penalties on the accounts of defaulting users depending on the situation, such as freezing and clearing the account. However, there is no need to worry, because Alibaba has introduced insurance, even if the buyer forgets to repay the money, the insurance company will advance the payment first, so the seller can still receive the money.

The insurance company will initiate offline collection, and Alibaba will also assist in the collection, so after the customer finds that he owes money, he must recharge the bound Alipay in time. The default deduction order of Cheng E Credit Alipay system is: Alipay account balance, bound bank card quick payment, Yu'ebao. Because Alipay may have a balance payment limit, customers are better off to ensure that there is enough deduction money in Yu'ebao.