Does Bank of Ningbo's credit purchase have anything to do with flowers?

Yes After brand isolation was introduced in Bai Hua, credit purchase service was derived. After brand isolation, flower buds are divided into two brands: flower buds and flower buds | credit purchase.

Both flower beds and credit purchases can be consumed, both of which belong to the credit consumption quota, and can be used whether shopping on Tmall Taobao or scanning code payment in online stores. However, they cannot be used to transfer money or withdraw cash.

Both flower buds and credit purchases have interest-free periods, which are subject to the last billing date and the current repayment date displayed on your billing page.

The payment and repayment methods of flower buds and credit purchases are the same. You can choose one-time payment or installment payment, and also support the minimum repayment amount. Subsequent repayment methods have not changed.

What's the difference between buying on credit and spending money?

The main difference between flower bud and credit purchase lies in page display and service organization.

First of all, in terms of page display, flower buds are usually displayed as "flower buds", while credit purchase pages are displayed as "flower buds | credit purchase". This means that some users' pages will display the service organizations that buy on credit, as well as the information of credit purchase quota and flower shop quota.

Secondly, there are differences in service organizations. The service organization in Bai Hua is Chongqing Ant Consumer Finance Company, while the service organization for credit purchase can be other financial institutions, such as a bank. Users can directly see the information of service organizations on the page.