How can Alipay have credit purchase?

What is the credit purchase of Alipay? You can enjoy an interest-free period on credit like Bai Hua. After brand isolation, flower buds are submitted to the credit information system by ants, and credit purchases are submitted by financial institutions such as banks that provide services. What happened to Alipay credit purchase?

What happened to Alipay credit purchase? 1 What is credit? What's the difference with flowers? According to Bai Hua's response, the "credit purchase" service is a kind of consumer credit service which is fully funded and independently provided by banks and other financial institutions, and its credit line is determined by financial institutions. Bai Hua said that the "credit purchase" service is consistent with the interest-free period in Bai Hua and can only be used for consumption, not cash.

Huayuan's announcement shows that in order to ensure the user experience, after the brand isolation, Huayuan and the "credit purchase" service are consistent in the core experiences such as interest-free period, review and repayment. Users can adjust the payment order and "credit purchase" service of flower buds according to their own preferences. It is understood that some users' flower beds have been updated to "flower beds" and "credit purchase" services, and this work will gradually cover more users in batches in the future.

Talking about brand isolation in Bai Hua, Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance, China Academy of Social Sciences, said that the consumer credit products independently operated by Bai Hua and other financial institutions would be effectively isolated and distinguished through brand isolation measures. This will help users fully understand the information of service providers, avoid brand confusion and better meet the regulatory requirements of consumer credit.

In fact, flower bud separation and flower bud borrowing are in the same strain. In addition to brand differentiation, Su, a senior analyst at Analysys, added, "The brand isolation of Huayuan is also the embodiment of all kinds of credit payment products accessing the central bank's credit information system, fully guaranteeing financial consumers' right to know. When users upgrade their flower buds, they authorize licensed financial institutions to inquire and submit their own credit information, and the final result will be reflected in the user's credit report. For Huayuan, this setting can improve its compliance and better clarify its rights and responsibilities with its partners. "

What happened to Alipay credit purchase? At present, some users' flower beds have been updated to "flower beds" and "credit purchase", and this update will gradually cover more users in batches in the future.

It is understood that after brand isolation, most users spend less than 1 1,000 yuan. The credit line of credit purchase service is generally close to its original flower shop line. Bai Hua said that after brand isolation, Bai Hua will mainly meet the daily small and medium consumption needs of users. Credit purchase service is a kind of consumer credit service that is fully funded by banks and other financial institutions and independently approves credit granting, which can meet the more quota requirements of some users.

The announcement also shows that in order to ensure the user experience, after the brand isolation, the flower garden and the credit purchase service are consistent in the core experiences such as interest-free period, review and repayment. Users can adjust the payment order of flower buds and credit purchases according to their own preferences. Because the credit purchase amount is more sufficient, in order to ensure the user experience, users are advised to give priority to credit purchase. Users can also choose the payment order according to their own consumption preferences, and if they don't need it, they can also turn off the credit purchase.

Like flowers, you can enjoy an interest-free period on credit. For installment payment, repayment and other rates outside the interest-free period, the Bai Hua announcement shows that the credit purchase rate will remain stable. In the future, the rate of credit purchase will be determined by financial institutions independently, and will also follow the principle of inclusiveness to benefit users as much as possible.

Previously, Ant Flower Garden has completed the docking with the central bank's credit information system, and credit purchase is no exception.

After brand isolation, flower buds are submitted to the credit information system by ants, and credit purchases are submitted by financial institutions such as banks that provide services. Users maintain good usage habits and repayment habits, which will not have a negative impact on credit records.

Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance, China Academy of Social Sciences, said that through brand isolation measures, Bai Hua has effectively isolated and distinguished itself from consumer credit products independently operated by other financial institutions. This will help users fully understand the information of service providers, avoid brand confusion and better meet the regulatory requirements of consumer credit.

What is the credit purchase of Alipay? How to operate "credit purchase"

From my experience, after brand isolation, credit purchase and flower shop are basically the same in the core experience of interest-free period, audit and repayment. I'll teach you the specific operation method-

First of all, the amount that everyone is most concerned about. You can check your total amount on Bai Hua | Credit Purchase Home Page. Click on the flowering page and the credit purchase page respectively, and you can see the amount provided by each.

There is a "math class representative" to calculate, and the sum of the two places of flowers and credit purchase is almost the same as the original place, which has no influence.

When making payment, credit purchase and flower shop are independent payment channels. You can choose what you want. However, because the type of "credit purchase" is more sufficient, it will be recommended to use "credit purchase" when paying. If you want to change it, you can also adjust the priority in "Flower Bud-My-Consumption Preference-Flower Bud | Credit Purchase Priority Payment-Setting Order".

Some netizens found that some orders also support flower bed combination payment and credit purchase, and there is no need to worry about insufficient quota when encountering large orders.

The repayment method has not changed. You can directly summarize the repayment from the total bill on the home page of Bai Hua | Credit Purchase, or you can enter Bai Hua alone or make repayment on credit.

Bai Hua's original automatic repayment, repayment alarm clock, call reminder and other functions can also be used through credit purchase.

The interest-free period of credit purchase and flower buds is still the same. If you use it that month and return it next month, you can continue to harvest wool, with an interest-free period of 1 month.

Netizens also found that in terms of installment payment and installment repayment, the rates of credit purchase and flower buds are the same. However, most netizens should repay on time without paying any service fees.

What is Alipay Credit Purchase? What is Alipay Credit Purchase?

1. Credit purchase is a member right of Alipay. Sesame score above 650 points, you can enjoy the service of "0 yuan orders, 7 days experience".

2. If you are dissatisfied with the goods during the experience period, you can return them at any time as long as it does not affect the secondary sales, and you don't have to bear the freight, and you don't spend a penny in the whole process; Pay when you are satisfied. Even if you forget to pay, Alipay will automatically deduct money during the experience, so don't worry about affecting your personal credit.