The flowers have been returned, why are you reminding me to pay back the money?

There are mainly the following reasons:

1. The repayment reminder SMS is sent according to the unpaid bill before 0: 00. After paying back the money on the repayment date, you may receive SMS notification. At this time, just ignore the text message.

2. Prepayment was made before Bai Hua's bill was paid, but some unpaid amounts still generated bills, so even if you prepay, you will still receive repayment notice. Please continue to pay the outstanding amount.

Extended data:

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan.

When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.

By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.

202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.

Credit loan line

According to the comprehensive consideration of consumers' online shopping situation, payment habits and credit risk, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control model.

The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase.

Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.

On 20 18 10 18, Bai Hua officially launched the "quota management" function, and users can adjust the quota independently according to actual needs.

Repayment method

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 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.

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. If it is overdue, a late fee of 0.5% will be charged every day.

On 20 1 811June12nd, the new function of AliPay App announced that the Bai Hua deferred repayment function would be fully opened on1June/February1day.

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.

On July 30th, 20 19, Alipay began to make an appointment to adjust the billing date and corresponding repayment date in Bai Hua: users who have signed a contract in Bai Hua for more than one year can enter the setting of Bai Hua-My repayment date after passing the system evaluation. Users can now choose to repay on June 5438+05 or 20, and the billing date will be adjusted to June 5 or 10 accordingly.