假如意外去世，欠下的花呗谁来还支付宝这种情况下允许你不还
假如意外去世，欠下的花呗谁来还？支付宝：这种情况下允许你不还一部手机走天下，这是当今社会的生活方式，不管是繁华都市，还是小街巷弄，任何消费都可以用手机解决，支付途径层出不穷，支付软件也数不胜数。支付宝相信大家手机上都有，说起花呗大家更是爱恨交加，爱的是不管工资多少，都能随时有钱花，恨的是每个月固定的还款时间。今天小编就来跟大家聊聊，假如一个欠了花呗钱的支付宝用户意外去世，那欠下的钱怎么还？用不用还？支付宝花呗的出现，可谓是解决了我国大部分月光族的生活困难，江湖救急可以不用拉下脸找别人借，直接用花呗就可以。去任何地方都可以不带现金，不用担心现金会被偷，到哪都能买单付账。提前消费的模式也正是当下主流，不用担心工资花完没得用，只要你下个月补上，再到下个月又重复。
但如果一个欠了花呗钱的用户突然去世，这钱是不是不用还了？其实不然，马云可不会做这种缺心眼的事，在支付宝刚创立出来的时候，就制定了一系列的相关规定，毕竟是和钱有关，马云不管国家相关部门也不可能不管，所以在规定中就阐明了。最后这种情况下你就可以不还，快来跟小编一起了解一下吧。第一种情况，如果过用户在欠款后去世，系统会自动用账户中的余额存款去偿还花呗；第二种情况，如果账户的余额不足以偿还，就会从账户绑定的银行卡余额去偿还。第三种情况，如果在去世人的账户中，余额也不够，银行卡余额也不够的情况下，还有遗产要被继承的话，那这个遗产继承人也必须继承去世人的花呗，替他还款，如若继承人不接受替他还款，支付宝便会通过法律途径来解决问题。
第四种情况，如果去世的人没有继承人，但有财产，财产就会被拍卖，支付宝会通过法律途径从财产拍卖的钱中抵扣。最后一种就是，如果去世的人什么都没有，那支付宝就只能把这笔账记作坏账，自己认了。去世的支付宝用户如果在账户自动还款后，还剩余了钱在账户中，支付宝也会一直保留账户信息，一直到有人继承此账户，无人继承条件下终身不会被注销。这样的规定繁多，小编就不一一赘述，说的这几条就是基本的保障条款。
支付宝是当下消费的主流付款手机软件，实用性非常强，其中的各种服务也都非常晚上，但说起来，花呗消费是一种超前消费的模式，如果没有偿还能力，小编建议还是慎重使用，毕竟在当今，个人信用是非常重要的，以后买车买房贷款都是要用到个人信用的，不要因为花呗影响个人信用，因小失大了可不好。
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