It took a few days to receive the SMS notification overdue.

Of course, there must be some mistakes. You'll have all the permissions after the flowers bloom. Of course, the system information will be displayed to you when it expires, so you should return it quickly. Otherwise, you don't have to worry about this, but you should pay attention to the system information almost at the same time. It's not good if you don't pay attention, and it's much easier to cancel.

Bai Hua is a personal consumption credit loan product. Users need to keep good repayment records after using Bai Hua. If the user sends overdue behavior, it will have the following adverse consequences:

1, overdue fee. If the user fails to pay off the debt within the specified time, once overdue, interest will be charged on a daily basis. The longer the time, the higher the overdue fee.

2. Personal credit is damaged. If the flower buds are delivered late, the bad records will be reflected in Sesame Credit, which will lead to the decline of Sesame Credit Score and personal credit damage, and subsequent credit business may be affected.

3. Be collected. After the flowers are overdue, the platform will collect the arrears. The common collection method is SMS or telephone collection. If the user's overdue circumstances are serious, Huayuan can also recover the arrears through legal channels.

: Can I turn off the dunning SMS?

You can't close the flower garden dunning SMS, in order to remind users to pay back on time to avoid overdue, and you don't support yourself to close it for the time being. If you don't want to receive SMS notification, it is recommended to complete the bill repayment of Huabai in the current month before the repayment date. After the flowers are overdue, there will be not only SMS reminders, but also phone reminders. If you don't pay them back, you will always be reminded.

If the flower bud is to be opened for use, the customer can select and agree to open the flower bud page in Alipay and apply for opening. After the customer submits the application, the system will evaluate and review it. In order to successfully pass the examination and approval and successfully open the garden, customers must meet the following basic conditions:

1. is a real-name authentication user of Chinese mainland Alipay;

2. If the age is above 18 (inclusive), the mobile phone number is bound to the Alipay account;

3. Alipay account status is normal;

4. Personal credit is good (sesame credit score is above 600 points).

It should be noted that at present, under the condition of completing real-name authentication, an ID card can only open one flower bud at most. After opening successfully, you can use it without waiting.

Customers can spend online and offline from merchants who support flower bud payment (transfer and withdrawal are not allowed). If they spend money online, even if the merchant doesn't open the flower bud collection function, as long as the amount of a single order does not exceed 150, customers can use the flower bud to pay the transaction in person.

Operating environment: Alipay 10.2.30