Can the service in Bai Hua be extended after upgrading?

What should I do if I accidentally order a flower bud service upgrade?

The upgrade of Huabai service is a hidden pit. If you accidentally upgrade, your flower garden will be subject to credit investigation from now on, which means that if it is overdue, it is equivalent to micro-loan service and needs credit investigation! Then, can the 2020 flower garden service upgrade be cancelled? Let's have a look!

What should I do if I accidentally order a flower bud service upgrade?

Bai Hua's service has been upgraded to a new financial institution, and when it is upgraded, users need to agree to inquire and submit personal credit information authorization. In fact, users need to agree to Bai Hua to upload loan records and other information to the credit information system of the People's Bank of China. If you don't upgrade the flower garden service, you won't receive credit information for the time being. Hua Bai has been upgraded and the agreement has been re-signed. The use of flowers is likely to be reported to the credit bureau.

After upgrading the flower garden agreement, all of them are included in normal use or overdue. However, it doesn't mean that you can't collect credit without upgraded flowers. If you use them normally, you can still collect credit after the deadline.

If you accidentally click on the service upgrade, it is recommended to temporarily close the flower garden and open it later.

Can the service upgrade of 2020 flower shop be cancelled?

At present, the reopening of the flower garden can also achieve this effect, and the authorization for personal credit inquiry of the People's Bank of China has not been updated at the entrance of the flower garden.

Personally, I think this kind of inquiry about personal credit authorization should be allowed once, not permanently.

Whether it is a credit card or a small loan, it is mainly not overdue. Even if the credit card is overdue, there is still a buffer period of two to three days, and the car loan and mortgage are basically unaffected.

How long has the flower bud expired? Restore 1. After the ant flower buds are overdue for 7 days.

After the ant flower buds were overdue for 7 days, the user could not use the ant flower buds temporarily, and returned to normal after the user repaid the overdue amount.

2. After the ant flower buds are overdue for 30 days.

After 30 days overdue, users should pay off the overdue amount, and will never be able to use consumer credit products such as Huabai and Tmall installment.

It is normal for some people to have no ant flower beds after ten days' overdue. If you pay off the loan, please communicate with customer service to see if you can reopen the ant flower bed. In other cases, you can contact Alipay customer service and re-examine the opening. If you want to keep using ant flowers, you must repay them on time (before 10 every month).

Can Bai Hua apply for deferred repayment?

Of course. If it is overdue, a late fee of 0.5% will be charged every day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

To put it simply, the extension of the flower garden is equivalent to a simple transition, which can alleviate the repayment pressure of the pickpocket party to a certain extent.

The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient.

Extended data:

Consequences:

The amount of ant flower buds is judged according to the ant credit score. The higher the credit score, the greater the amount. So early repayment will be beneficial. Whether it is early repayment or monthly repayment, you can increase the credit score. If you repay on time, you can also leave enough credit for next month's consumption.

If the repayment is overdue, it will affect Alipay's credit rating, and it will also have a great impact on the amount of flowers. More serious, it may even affect bank loans, and even need to bear legal responsibility after a certain period of time.

Ant flowers may be included in personal credit records if they are overdue. This is more important. Although there is no exact information at present, if the flower is overdue, it must be included in the personal credit record. Hao Ying, director of consumer credit of Ant Microfinance Division, said, "If it is maliciously overdue, it will be dropped into the central bank's credit information system".

In other words, users who deliberately default on repayment, with a large amount and a long time of default, may be included in their personal credit records in the future. And bad credit records will affect users' loan and credit card applications.

The service upgrade of the flower garden is no longer as simple as affecting the sesame score after the deadline.

Because Alipay flower buds can be consumed first and then paid, and there is an interest-free period, many people like to use them, and they have never used credit information before, so people have no burden to use them. During this time, Huayuan has been inviting users to upgrade their services. What does Alipay upgrade service mean? What is the impact of upgrading its services? Let's have a look.

What is the impact of the flower bud upgrade service?

You don't need to apply for credit information before the flower garden service is upgraded. After the upgrade of the flower bud service, there will be "personal credit information inquiry and submission authorization" in the relevant contract and product description of the flower bud. After the authorization content indicates the upgrade service, Huabai users agree to authorize Chongqing Ant Small and Micro Loan Co., Ltd. to conduct credit inquiry and post-loan risk management on users' credit.

Before the flower garden service is closed, the flower garden has the right to inquire about the user's credit report from time to time, and the use of the flower garden will also be reported, and the credit will be reported in the form of small loans.

In the past, the overdue flowers will only affect the user's sesame credit score. After the service upgrade, overdue flowers will also affect users' credit information. Repayment needs to be more cautious and try to avoid overdue.

However, after upgrading the service, Alipay can better assess the risk level of users, provide better services to users, and give users more opportunities to increase the quota.

If you apply for a mortgage, some banks will ask the mortgage applicant to settle the small loan in advance. People who often use flower beds will have a certain impact on applying for a mortgage. At present, they can use the flower bed normally without upgrading the service, and users without upgrading the service can postpone the upgrade.

The above is the answer about the impact of the flower bud upgrade service. Users who have upgraded their services can choose to close the flower garden if they are worried that it will affect their credit information. If they don't want to close it, they should remember to pay back the money on time.

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Do you apply for credit information after the flower garden service is upgraded? The correct answer is here!

; ? Many users don't let the flower garden service upgrade, just because they are worried that they will receive credit information after the flower garden upgrade. Since the online lending industry has been rectifying, many small loans are docked with the People's Bank of China. At the same time, Bai Hua Brothers also successfully docked with the People's Bank of China for credit information, which made it confusing whether Bai Hua received the credit information after the upgrade. Do you apply for credit information after the flower garden service is upgraded? Now tell you about the service upgrade of Huabai.

After the flower garden service is upgraded, it is still

Evidence 1: Borrowing Bai's answer to the credit report is that the data will be uploaded to the basic database of financial credit information after the deadline, which means borrowing Bai will report the credit report at the meeting after the deadline. On the other hand, the overdue answer after the upgrade is that it will affect personal credit records. The official statement that the flower buds are overdue is still to upload the overdue records to Sesame Credit, but it does not mean that the People's Bank of China has made a credit investigation.

Evidence 2: After the upgrade, users with overdue flowers did not receive credit information. The flower garden service upgrade started from March 2065438+2008, which means it has been 3-4 months. In fact, many users didn't know the significance of the service upgrade at first, and they upgraded it in March. However, it is overdue after upgrading, and there is no overdue record in the inquiry report.

Malicious overdue does not rule out the possibility of credit investigation.

I also consulted other netizens about the overdue after the upgrade. Most netizens who have completed the upgrade are overdue. Usually, the number of overdue days is very small, and the longest is no more than one week. Both reflect that overdue records have not been uploaded to the People's Bank for credit investigation. However, if the overdue days are too long and maliciously overdue, Huayuan may also upload credit information. (After all, in this service upgrade, the institutions that provide flower garden services already have banks. If the service provider is a bank when using the flower garden, it is possible to obtain credit information. )

Although it is said that Huayuan officials have not announced the docking with the credit information system of the People's Bank of China. However, if a bank in a financial institution provides flower bud service, it is equivalent to your flower bud usage quota, which is a bank loan. Bank loan products are characterized by certain credit information. Well, the docking bank is only a cooperative relationship and does not directly provide garden services. If the bank directly provides the flower garden service, then the statement that the credit is overdue is very credible!