How to cancel Bai Hua's credit purchase

How to cancel Bai Hua's credit purchase

How to cancel the credit purchase of flower buds,165438+1October 24th, official announcement of ant flower buds: brand isolation is officially started! From the original "flower garden" to "flower garden credit purchase", flower garden will draw a clear line with the bank. How to cancel Bai Hua's credit purchase?

How to cancel the credit purchase of flower buds? How to Cancel the Credit Purchase of 1 Huabai

1, open the mobile phone Alipay, find the flower garden entrance in Alipay, and click to enter the flower garden page;

2. There is an option suitable for me at the bottom right of the flower garden page. Click to enter my garden page;

3. After entering my page, you can see many functional options. Click other options at the bottom.

4. After clicking "Other", the system will pop up two options: closing the flower bud and canceling the flower bud. Click "Close Flower Bud" to enter the operation page of closing flower bud;

5. Follow the prompts on the page, and finally choose OK to close the flower bed.

It should be noted that it is impossible to successfully close the flower garden if the flower garden user still has outstanding debts or the online shopping order has not confirmed the receipt.

Flower buds support active closing, but if you apply for opening again, you may not be able to reopen it, because the opening of flower buds is determined by the system according to the comprehensive situation of users. Only users who meet the criteria for opening flower beds are eligible to open the flower bed function, and actively closing the flower bed will leave a "bad" impression on the system.

How to cancel the credit purchase of Huabai? After borrowing flowers, it was finally Bud's turn to change her name.

165438+1October 24th, the official announcement of ant flower garden is: brand isolation is officially launched!

To put it bluntly, it is necessary to rename the flower garden, from the original "flower garden" to "flower garden credit purchase", corresponding to two different types of services. "Flower Garden" is a newly established exclusive brand of Ant Financial, and "credit purchase" is a consumer credit service provided by banks.

Not only are service providers and quotas independent of each other, but even bills and repayments have been separated.

In short, from now on, let ants belong to ants and banks belong to banks!

165438+1At the beginning of October, Ant Loan was just renamed as "Credit Loan". This time, Hua Bai will also draw a line with the bank.

Hundreds of millions of users have to bid farewell to the original flowers and borrow them, and a new era has begun.

A large number of people will feel the adjustment of flower beds and borrowing quotas. Whether it is a flower bed or a loan, every adjustment will invisibly raise the user threshold. Naturally, many people are invited out by ants.

Of course, most people won't feel anything.

Some people's quotas will be greatly reduced, accounting for a considerable proportion, because this is the most direct operation of ants to reduce leverage, and some people's quotas will be directly cleared, which is equivalent to being rejected by ants.

It is only a matter of time before all loans and flower beds are included in the central bank's credit information, which will cover more than 654.38 billion consumers.

From now on, the credit status of most people will be in the eyes of the central bank. Credit card violations and overdue loans will become an important reference for banks to judge a user's qualification, and vice versa.

If there is a credit problem, all platforms will be implicated immediately, and the drama of robbing Peter to pay Paul will be completely ineffective.

How to cancel the credit purchase of Huabai 3? On1October 24th, 165438, after Huabai will be fully connected to the central bank's credit information system, Huabai announced that in order to implement the regulatory requirements related to consumer credit and fully protect consumers' rights and interests, Huabai has started brand isolation. Next, Huayuan will become the exclusive consumer credit brand of Chongqing Ant Consumer Finance Co., Ltd. (hereinafter referred to as "Ant Financial Service"), focusing on small and medium-sized enterprises. Consumer credit fully funded by banks and other financial institutions will be updated to "credit purchase" service. The "credit purchase" service is consistent with the interest-free period of flower buds, and can only be used for consumption, not cash.

It is understood that some users' flower beds have been updated to "flower beds" and "credit purchase" services, and this work will gradually cover more users in batches in the future.

The reporter was informed that after brand isolation, most users spend less than 1 10,000 yuan. At the same time, some Huayuan users have reduced their message quotas on social platforms. Users said that some of the original quota of 38,000 yuan was reduced to 1 10,000 yuan, and the quota of 1 10,000 yuan was reduced to 1 10,000 yuan, but not all users. The credit line of "credit purchase" service is generally close to its original credit line.

Bai Hua said that after brand isolation, Bai Hua will mainly meet the daily small and medium consumption needs of users. The "credit purchase" service is a consumer credit service type that is fully funded by banks and other financial institutions and independently approves credit granting, which can meet the more quota requirements of some users.

Huayuan announcement shows that in order to ensure the user experience, after brand isolation, Huayuan and the "credit purchase" service are consistent in the core experiences such as interest-free period, review and repayment. Users can adjust the payment order and "credit purchase" service of flower buds according to their own preferences.

The service of "credit purchase" can enjoy an interest-free period, just like a flower shop. Regarding the installment payment and repayment rates outside the interest-free period, Bai Hua announced that the rate of "credit purchase" service will remain stable. In the future, the rate of "credit purchase" service will be determined by financial institutions.

In addition, according to the Regulations on the Administration of Credit Information Industry, institutions providing credit services are required to provide credit information to the credit information system as required. In other words, the flower buds will be submitted to the credit information system by Ant Financial, and the "credit purchase" service will be submitted by financial institutions such as banks that provide services. Maintaining good usage habits and repayment habits will not have a negative impact on credit records.

Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance, China Academy of Social Sciences, said that through brand isolation measures, Bai Hua has effectively isolated and distinguished itself from consumer credit products independently operated by other financial institutions. This will help users fully understand the information of service providers, avoid brand confusion and better meet the regulatory requirements of consumer credit.

According to public information, not long ago, the borrowing company under Ant Financial also started the brand isolation work, and the credit services independently provided by financial institutions such as banks were updated to the "Credit Loan" page.

At the same time, the flower garden announcement issued an anti-fraud reminder to remind users to beware of all kinds of fraud in the name of "credit purchase", "flower garden exchange" and "flower garden cash withdrawal". Huayuan said that the official staff will not contact users on the grounds of brand isolation or "credit purchase" and will not ask users to transfer or remit money in any form. If you receive such fraudulent phone calls or messages, don't be fooled.