What if the flowers don't come back next month?

What should I do if the flowers haven't come yet?

The mitigation schemes that can't afford to spend money are:

First, apply for deferred repayment. The latest version of Alipay has launched a garden extension. If you apply after the billing date and before the final repayment date, you can postpone the repayment for one month, but you will be charged a delay fee;

Second, set the minimum repayment amount, and only pay 10% of the bill amount every month, and the interest rate for the rest is 0.05% every day. This way has become the choice of most people now.

In fact, there are several situations in which flowers expire. If it's only for a few days, the customer service will pick it up by SMS or telephone contact. At this time, we will explain things clearly and repay them in time. If you don't pay it back for a long time, the system will contact your family and friends according to your information and give you pressure from your side. At this time, even if you still owe money, you should try to save your reputation among friends and family. But if it is malicious, the system will hand over your debt to the collection company, freeze your account and upload the corresponding information to the credit information system. This behavior has a very serious impact on life.

Generally speaking, the short-term overdue of flowers and loans has little effect, and timely repayment of arrears is enough. However, if you don't pay it back for a long time, I suggest you change this idea in time. Alipay system and collection company are very powerful, and you can find your corresponding information, and your life may be greatly "changed". Of course, if you really can't pay back, I suggest you explain the situation to Alipay customer service in order to win a "buffer period", during which you can make money hard and then pay off your debts.

I. Description of preferential service fee:

(1)1flower bud order within 50 yuan: preferential service fee = paid amount * 0.8%;

(2) 150 yuan, flower shop order: preferential service fee = paid amount * (0.8%-0.6%)* service fee only refers to the transaction service fee generated in the flower shop collection scenario.

Second, open the flower collection function:

(1) Open Alipay, enter Alipay APP, and click My.

(2) Click Online Service, click My Customer Service, and select Online Service after entering.

(3) Click Payment, click Bai Hua Payment, and enter the amount.

(4) Enter the application, and then apply according to the link given by the customer service.

Third, the amount of flowers:

The amount of flowers is 500-50000 yuan, depending on your personal assets and credit status. 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 will 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".

Spend the same month and pay it back next month, which is actually similar to the bank's credit card business. It's just that credit cards need physical cards, while flowers only need accounts. At present, the repayment date of Bai Hua account is 1, 5, 10, and the specific repayment time needs to be subject to the page display of each Alipay account.

Before the repayment date, it is an interest-free period in Bai Hua. If you can't pay Bai Hua's current bill on the repayment date, you can choose the minimum repayment amount. The remaining unpaid principal shall be calculated with a circulating interest rate of 0.05% from the day after the due repayment date, and shall be included in next month's bill.

Fourth, the money collection code flower garden money collection service fee description:

1The service charge of 0.8% of the agreed rate is directly exempted for the flower orders within 50 yuan, that is, the actual service charge =0 yuan;

For flower shop orders whose price exceeds 150 yuan, the agreed rate is reduced from 0.8% to 0.6%, that is, actual service fee = paid amount *0.6%.

What if the flowers are out of date?

(1) If Bai Hua can't pay off the bill in full and on time and doesn't want to be overdue, it can choose the minimum repayment amount of the bill first.

(2) You can also reduce the repayment pressure by handling bills in installments or applying for deferred repayment, so as to avoid the overdue situation (the installment part will be repaid next month, the deferred part will be repaid next month, and the non-installment part and the non-deferred part still need to be paid off in this period).

(3) negotiate repayment, you can call Alipay customer service hotline to contact manual customer service;

It can also be in Alipay software.

Open AliPay, click mine,

Drop down to the bottom of the page and click My Customer Service.

Click on the lower right corner for online consultation.

Enter "Manual Customer Service" to connect with online customer service.

When negotiating, you need to show your willingness to repay and the objective reasons for not being able to repay, and wait for the feedback from Alipay customer service.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.2.50

Extended data:

First, there are three repayment methods for ant flower buds: operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.2.50

The first way:

1. Repay through Alipay interface. Log in to Alipay official website, and click the "View" button in the "Ant Flower" column of the "Personal Alipay" interface.

2. From the opened "Ant Flower Garden" interface, you can view the "Download Repayment Amount" and click the "Repayment" button to make quick repayment through account balance, balance treasure and debit card.

The second way: Pay attention to the "ant flower garden" through the "Alipay" wallet sweeping function to realize the repayment operation.

The third way: automatic deduction. Deposit all repayment funds into Alipay account balance, balance treasure and debit card. When the shopper receives the goods before the next month 10, he will automatically deduct the money from the above account in turn.

Note: After the successful opening of the flower garden, the automatic deduction service will be automatically opened.

Second, the user fails to repay the money on time after using the flower bud, which will affect personal credit. The overdue record of the user will be recorded in Sesame Credit, which will affect Sesame Credit Score. Many services in Alipay have requirements for sesame credit score. If the sesame credit score decreases, it will affect many rights and interests of users. Sesame Credit is an online credit information institution. Now is the era of big data. Online credit reporting is widely used. If sesame's credit history is tainted, it is likely to be loaned on other platforms. When handling credit cards, general banks not only pay attention to the credit information of the applicant's central bank, but also pay attention to the applicant's online credit information. All Huayuan users must keep a good repayment record.

Third, the overdue influence of flower buds.

1, overdue interest. Bai Hua can enjoy an interest-free period if it repays within the stipulated repayment date. If the repayment is not made on time, the system will charge the user an overdue fee, and the daily overdue fee is 0.05% of the overdue amount.

2. Affect personal credit. After the expiration, the system will submit the overdue record of the user to Sesame Credit, which will lead to the decrease of Sesame Score.

3. The garden function is turned off. After the flower bud expires, the function of the flower bud may not be used, and whether it can be resumed depends on the irregular evaluation of the system.

The best way to deal with the inability to repay the loan

1. The debtor will record the overdue time, overdue amount, default interest generated and the amount owed.

2. Contact customer service to take the initiative to repay. The debtor needs to take the initiative to contact the customer service in Bai Hua, and then indicate his willingness to repay, not maliciously overdue, negotiate a repayment plan acceptable to him, and apply for reducing the penalty interest caused by overdue, so as to reduce the repayment pressure.

3. Apply for deferred repayment, installment repayment and other services. Huabai can postpone the repayment for one month, and you can also apply for bill installment. Both methods will charge a certain fee, but it will not cause overdue.

4. Finding a stable income/job is the most important thing. Finding a stable job is very important. Take out a part of the stable income every month and pay it back until all the arrears are paid off.

1. Flower Garden belongs to a business of Alipay products under Hangzhou Alibaba Group. The solution to the inability to repay the flowers: apply for deferred repayment; Try installment or minimum repayment. This is the first thing that most people who are unable to repay will do, and it is also the best to use; Borrow money from friends and relatives for turnover. If you return it, you can borrow it again and recycle it. The inability to repay the money owed to Bai Hua is an economic dispute. Although there is no need to bear criminal responsibility, the basic civil responsibility must be borne, that is to say, the debt must be paid off. If you can't afford to borrow flowers, there will be high interest, fancy collection, and even being sued in court.

Second, the following are the consequences of being unable to return flowers and borrow flowers:

1, penalty interest: After loans overdue, Alipay will start to charge overdue penalty interest, which is relatively high, generally 1.5 times the loan interest rate;

2. Collection: After loans overdue, Alipay will use different collection methods to collect arrears;

3. Personal credit information is affected: the loan is in the central bank's credit information system. Once everyone exceeds the grace period, Ant Financial will report the bad credit information to the personal credit information system of the central bank, which will have an impact on the subsequent credit business;

4. Alipay's credit products such as loans, flower beds and reserve funds were downgraded or even closed.

Third, what happens if you are "unable to repay" and never pay back the money? Once it is overdue, you will have a certain overdue fee. When you want to repay it, you can only pay it off in full, not in installments. If you don't pay back the money all the time, first of all, because of your default record, your Sesame Credit Branch will be reduced every month until it is cleared, and then your flower garden and borrowing garden will be shut down, and even related accounts such as Alipay and Taobao will be frozen.

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