Has anyone used the flowers borrowed by Ctrip? Is it safe?

Ctrip borrowing flowers belongs to a platform with certain risks.

Taking flowers is a new financial service launched by Ctrip. com。 After picking up the flowers, you can use the credit line to travel first and then pay. You can enjoy 30 days interest-free, flexible installment of 3, 6, 9 and 12, and ultra-low rate. "Flower Bai" is a financial credit consumption product of installment payment network developed by Qunar.com.

When deducting the refund fee, the money should be deducted from the "flower collection" and repaid to the "flower collection" within a certain period of time. If you don't repay in time, it will be linked to the personal credit website, resulting in a breach of contract record, and you have to pay liquidated damages.

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Ctrip takes pictures, as follows:

I complained to the industry and commerce department that the default payment method for online air tickets has always been Alipay, but I don't know when it became a "flower garden". As a result, the ticket money was "borrowed" to the "flower withdrawal" account, which led to overdue repayment and damaged the bank's credit. A survey by Haidian Industrial and Commercial Branch found that both consumers had self-certified.

Personal credit rating is a major factor in determining the loan amount, that is, the higher the personal credit rating, the higher the approval rate of the next loan and the faster the approval speed. Conversely, the lower the personal credit rating, the lower the approval rate of the next loan.

Xinhuanet-Is there a hidden risk behind the consumer tips issued by the industrial and commercial departments?