On July 30, Alipay announced the opening of adjustment authority. It seems like a small change, but it quickly entered the top 1 of Weibo’s hot search list, and many netizens ridiculed that they hoped to adjust the repayment date to On February 29th or the 32nd of every month, it triggered a series of hot discussions. Taking this incident, the author combined relevant cases and data to try to analyze the law between users' monthly salary flow and credit repayment,
so as to discuss how to set their own "repayment date" more reasonably, and how product operators are designing How to make a more scientific text message service decision when the "payment date" rule is used. Interpretation of the new regulations on repayment day as a consumer credit product of Ant Financial, allows users to “consume first, then repay” based on the quota, and provide users with bill installment services, just like a “virtual” platform based on the Alipay system credit card".
Like all credit its own "billing date" and "payment date". Before this new regulation adjustment, the billing date of most users was set on the 1st of each month, and the repayment date was on the 9th of each month. After the adjustment of the new regulations, users have two new repayment days to choose from: as shown in the figure above, one is the 15th (5th of the billing date), and the other is the 20th (10th of the billing date). According to the official introduction of the target of this opening is the old users who have signed contracts.