Flowers are overdue, is it true that Hangzhou Bank sends short messages on the consumption amount?

Hangzhou Bank sends short messages to scare people, in order to make users repay as soon as possible, but the delay in spending money will affect the credit record and sesame grading credit record.

Flower bud, the full name of ant flower bud, is a consumer credit product launched by Alipay. Users can advance the amount of ant flower buds when spending, and enjoy the shopping experience of "spending first, then paying".