Bai Hua has paid back the money, but it has been returned. Where should I return the refunded money?

Hua Bai's bill has been paid off, but there is a refund. Where will it be returned?

In the balance of Alipay.

Bai Hua has paid back the money, but it has been returned. The refunded money will not enter the Bai Hua account, so it cannot be deducted from the unpaid amount, but it will return the balance of Alipay account. Users can learn about the refund by querying the balance details of Alipay. After receiving the refund, the user can pay directly with Alipay balance, or withdraw the money in the balance to the bound bank card.

There is no need to repay the money in Alipay balance after use, but a withdrawal fee of 1% may be charged.

What are the consequences of spending money?

1. Reduce users' sesame credit score.

The sesame credit score of Alipay users is evaluated by a third-party credit scoring system. If the user fails to repay the loan in Huabai, it will affect the user's sesame credit score. When the user's sesame credit score decreases, some of the original rights and interests on Alipay will disappear, and it is even difficult to borrow money through Alipay platform.

2. Remind repayment.

When the user fails to repay for a long time, the staff of the platform will remind the user to repay by calling or texting.

3. Affect personal credit.

As a consumer loan product, if the flowers are overdue for a long time, the platform will report the overdue records of users to the central bank's credit information system. According to the recent official announcement, under the premise of user authorization, the relevant information of the flower buds will be gradually incorporated into the credit information system, and the flower buds will leave a bad record if they are overdue. Maintaining good habits will not affect your credit history. As for whether your own flower garden has been connected to the central bank's credit information, you can inquire through the columns of "Flower Garden"-"My"-"Related Contract and Product Description". If "Personal Credit Information Inquiry and Submission of Power of Attorney" is displayed, it means that the credit information has been connected.

4. Reduce quotas.

If the user does not repay the loan for a long time, the flower garden platform will reduce the user's loan amount. If the user's overdue behavior is very bad, the platform will close the user's flower garden.

Second, what should I do if I can't receive the flowers temporarily?

1. Adjust the repayment date.

Before the fixed repayment date comes, users can adjust the repayment date of Bai Hua without preparing enough repayment amount. However, the platform requires users to submit an application for adjusting the repayment date of Huabai in advance, and the repayment date can be adjusted after the platform is approved.

2. Repayment by installment.

Users can apply to the platform for installment repayment according to the repayment amount and repayment ability of their bills. At present, there are four stages for users to choose from: 3, 6, 9 and 12.

Where will the refund be returned after the flowers are refunded?

Refund occurs after the repayment of the flower bud, and the channels for refund include the refund balance or flower bud bill or quota, including refund to flower bud quota, refund to balance and refund to flower bud bill. Pay off the money spent so that the refund will go back to the balance.

1. Flower Garden, whose full name is Ant Flower Garden, 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. Users can advance the amount of ant flower buds when spending, which is mainly used for shopping on Tmall and Taobao, and enjoy the shopping experience of "spending first, then paying". The 8th 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 and debit card in turn to repay the outstanding part of the issued bill. You can also take the initiative to repay. If it is overdue, a late fee of 0.5% will be charged every day.

2. If users can't repay the flowers on time after using them, they can use installment repayment or deferred repayment, in which installment repayment can be selected in 3, 6, 9 and 12, and the installment rates are 2.5%, 4.5%, 6.5% and 8.8% respectively. Repayment of principal payable by installments = total amount of principal payable ÷ number of installments; Fee for installment repayment = total amount of principal to be repaid in each installment × total installment interest rate ÷ number of installments; The amount is accurate to minutes and months, and the balance is included in the down payment, and the handling fee is non-refundable; On the installment page, click the amount of each installment to view the repayment amount, handling fee and rate of each installment. If you choose different installments, you can see that the interest is different, subject to the actual situation.

3. Flower buds will not affect credit information, and only access sesame credit. When using flower buds, records such as borrowing and returning records and overdue records will be submitted to Sesame Credit instead of personal credit information system. The skill of improving the credit line of Huabai can be improved by improving the credit score of Sesame. The higher the score, the higher the credit limit of Huabai, which can be improved in different ways. Use it more every day and return it on time, and the follow-up system will actively increase the credit line; Buying wealth management products in Alipay, the more you buy, the more helpful it is to increase the amount of money spent.

Bai Hua has paid back the money, but what she bought has been returned. Where did she retreat to?

Refund occurs after the repayment of the flower bud, and there are many possibilities for the funds to arrive at the account, namely, refund to the flower bud quota, refund to the balance, and refund to the flower bud bill:

Refund of the balance means that you have returned the flowers, and then the refund will refund the balance.

The bill for returning flowers means that after you buy something with flowers, you confirm that you have received the goods. This used amount has been transferred to the merchant by the system, so this amount has also become the bill amount that you should repay.

The refund amount to Bai Hua refers to the refund after the payment and the cancellation of the order. If a refund is initiated before the receipt is confirmed, the returned money will be used to restore the amount consumed at that time, and this flower bud will not generate a bill, so the flower bud does not need to be repaid.

Operating environment: Apple 12, ios 14, Alipay version 10.2.3.

Test water medical treatment

2065438+On May 19, 2006, Ant Flower Garden announced that it would join hands with Huashan Hospital affiliated to Fudan University in Shanghai and Alipay to launch medical installment payment for individual consumers, with the maximum available amount of 50,000 yuan.

Huashan Hospital put the in-hospital physical examination service into Alipay service window. Users can directly make an appointment for Huashan Hospital physical examination package at Alipay service window, and choose Ant Flower Garden to provide installment payment service. Users can choose 3-month, 6-month, 9-month and 12-month installments.

This access to Huashan Hospital is the first application of ant flower buds in the medical industry. Huashan Hospital expressed the hope that through this cooperation, it will provide financial assistance to the medical population, thus providing more accessible inclusive medical services.

Ant Flower Garden and Huashan Hospital jointly launched medical examination installment payment, mainly for the medical examination service in the East Hospital of Huashan Hospital. It is expected to be officially launched next month, and will cooperate to explore financial services such as diagnosis, treatment, surgery and hospitalization in the future.

Ant Flower Bud is a consumer credit product launched by Ant Financial. Users can prepay the amount of ant flowers when spending. In addition to the experience of "payment this month, repayment next month, super-long interest-free", Ant Flower Garden also launched the function of flower garden installment, and consumers can repay in installments.

Initially, it was mainly used for online shopping platforms. Ant flower buds are also actively exploring in various scenarios. In addition to the application in shopping, tourism, entertainment and other consumer scenarios, Ant Flower Garden is also actively exploring areas of people's livelihood such as medical care, education and public payment.

Shao, director of the operation of ant flower garden, said that ant flower garden will vigorously explore the medical field on 20 16. "Medical care, housing and education are the three biggest expenses for consumers at present. Ant Flower Garden hopes to provide inclusive finance services to more people in need through its own product capabilities."

According to reports, in addition to Huashan Hospital, Ant Flower Garden has reached an agreement with more than 150 hospitals to jointly launch Internet consumer financial services for medical patients.