This Device Is Locked | Due To An Overdue Installment Payment Xiaomi Exclusive ~upd~

Here is a breakdown of why this happens and how to resolve it: Why is your device locked?

When a customer buys a Xiaomi device on or a contract plan (e.g., through Amazon Pay later, Flipkart Axis, or carrier financing), the device’s IMEI is linked to a loan agreement. If the user defaults on 30–90 days of payments, the lender notifies Xiaomi. Xiaomi’s cloud servers then send a kill command. The result? The phone becomes a brick—regardless of whether you are logged into a different Google account or have performed a factory reset. Here is a breakdown of why this happens

Unlike a carrier lock (which restricts network usage), this is a tied to the device’s unique IMEI (International Mobile Equipment Identity) number and your Mi Account. through Amazon Pay later