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

Because most young people now have weak self-control and love to compare with others, they want to live a life of 1W after earning 2500 yuan a month, 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, we use things we like impulsively, because we are not interested, which can temporarily satisfy our sense of joy, but problems 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 began to clean up the flower buds borrowed by three types of users. Many netizens have never overdue their flowers, and they all repay them on time. Why? In fact, many times, users are not actively shut down, but forced to shut down.

Everyone knows that Ma Yun invented Alipay to solve Alibaba's online shopping problem. With the launch of online sesame credit system, many services have been launched based on sesame credit points, such as deposit-free car rental, high-speed visa for going abroad, deposit-free accommodation and so on. , 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, it is good credit, but what if it has never been overdue and has been closed? How to explain it? So under what circumstances may the Huabai loan be closed? In addition to overdue flower borrowing, there are several situations that may lead to the closure of flower borrowing.

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

Second, borrowing money is illegal. What is illegal borrowing? Borrowing money 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.

Third, support loans with loans. Nowadays, when many young people are heavily in debt and can't achieve free turnover, they will try to 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 only the tip of the iceberg, and there are many services available for everyone to use, so there has been a situation of supporting 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 information, which is difficult to open. Wechat sweet potato bye-bye, a public platform service, refers to the WeChat payment score. As long as the WeChat payment points are above 550, you can get the corresponding amount through active application, starting from 1 10,000 yuan and up to 200,000 yuan. Alipay's Huabai loan refers to Sesame Credit as the evaluation standard. The higher the sesame score, the higher the quota, so the monthly update of sesame score touched the hearts of hundreds of millions of users. After the sesame score was updated this month, some netizens actually gained substantial growth through upgrading without adding one point. What happened?

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

Finally, tell me how much money you borrowed from your flower garden. In addition to flower buds, what other similar Internet financial lending platforms have you used? If all your flowers were still alive, would you choose to close them manually?

There is a phenomenon of repeated charges.