It is said that flowers and borrowings are very easy to use! Why do more and more people choose to close?

Because most young people now have weak self-control and like to compare with others, they hope to live a life of 1W when their monthly salary is 2500 yuan, so if they can't control themselves well, they will lead to overdraft consumption. Perhaps most people realize this, so they close them to control their desires.

In fact, flower beds and borrowing beds are very easy to use, which can solve our urgent needs without borrowing money from relatives and friends to win back face. However, with the improvement of consumption level, many flower beds and borrowing beds are used for consumption. Accurately speaking, they use it impulsively when they see what they like, because they are not interested, which can temporarily satisfy our joy, but the problem will appear at the beginning of next month. So let's make money and live the life we like.

Overnight, the garden was closed at the same time! Alipay officially announced that it has begun to clean up the flower buds borrowed by three types of users. Many netizens' flower buds have never been overdue, and they are all repaid on time. Why? In fact, in many cases, the user did not take the initiative to close it, but was forced to close it.

Everyone knows that Ma Yun invented Alipay to solve Alibaba's online shopping problem. With the launch of Sesame Credit System, many services have been launched based on Sesame Credit Point, such as car rental without deposit, high-speed visa for going abroad, and deposit-free accommodation. , even borrow money. The flower buds that young people are talking about now are all Internet financial lending products based on sesame credit scores.

Since it is a loan service, paying back the money on time is definitely the most basic requirement. In other words, the credit is good, but what if it has never been overdue and has been closed? How to explain it? So under what circumstances may it lead to the closure of Huabai Borrowing? In addition to overdue borrowing, there are several situations that may lead to the closure of borrowing.

First, cash out. Like credit card cashing, flower bed cashing is not allowed. If you often use the flower bud to cash out, your credit information will not be affected, but it will be detected by the system, and you will directly close the flower bud to borrow it.

Second, borrowing money is illegal. What is illegal borrowing? Borrowing is just borrowing money. What other violations can there be? The purpose of the loan is clear, and it can only be used for personal daily consumption, but not for investment and financial management, such as stock trading, investment in digital currency and purchase of futures. Once Alipay detects that the borrowed money has flowed to these markets, it is not surprising to close the flower garden.

The third is to support loans with loans. Nowadays, when many young people are heavily in debt and can't achieve free turnover, they will rob Peter to pay Paul to maintain their debts, so as not to lead to overdue. In the field of internet financial lending, borrowing flowers is just the tip of the iceberg, and there are still many services available for everyone to use, so there has been a situation of raising loans with loans.

No matter many services on WeChat or Alipay, without exception, they can't escape the important reference of credit reporting. Wechat micro-loan refers to the central bank's credit reporting, which is difficult to open. Wechat Sweet Potato Bai is a public platform service and a reference to WeChat payment score. As long as the WeChat payment score exceeds 550 points, you can get the corresponding amount through active application, starting from 1 10,000 yuan and up to 200,000 yuan. Alipay's flower buds use sesame credit as an evaluation criterion. The higher the sesame score, the higher the quota, so the sesame score updated every month has touched the hearts of hundreds of millions of users. After the sesame score was updated this month, some netizens actually got a substantial increase through upgrading without increasing their scores. What happened?

To sum up, it doesn't mean that you can sit back and relax as long as you repay on time and don't overdue. The above situation will also be closed. Therefore, users who want to borrow flowers for a long time should cherish them.

Finally, let's talk about how much money you borrowed from Huabai. Besides borrowing flowers, what other similar Internet financial lending platforms have you used? If your flowers were still alive, would you choose to close them manually?

There is a phenomenon of repeated charges.