Why can't some people resist the temptation of Alipay, burdened with flowers and debt?

Not some people, but many people couldn't stand the temptation of Alipay at all, and then they used flowers, including me.

First of all, there is nothing wrong with Alipay, which I think is a good thing.

Flower buds are just a financial tool, just like we usually use credit cards. We can spend first and then pay.

The longest interest-free period for flower buds is 40 days, which means that within 40 days, as long as you repay the money normally, you don't have to pay any interest. During the interest-free period, the handling fee is borne by the merchant rather than the consumer.

Why not use such a good thing when it can be used? Even if I have the money to pay the order, I will spend it instead of my own money. For example, if I buy a single 1000 yuan with a 40-day interest-free period, then I can invest with my own money.

Even if you put 10000 yuan on the balance treasure for 40 days, you can still get around 28 yuan. If you buy other relatively short-term wealth management products, you can get around 50 yuan with a 4.5% income.

Therefore, I estimate that most people are willing to make full use of flowers to shop, release their money and make their money generate more income.

Many people are burdened with huge debts, not because of Hua Cuo, but because they can't control themselves.

Huabai is just a financial tool. It won't force you to go shopping. It just provides a convenience for everyone to go shopping. Although it will stimulate everyone's shopping desire to a certain extent, so that everyone can spend without money, but after real shopping, the key to not paying the bill is still people.

If a person can't control himself and always wants to go shopping or even spend no money, there are other things to replace, such as credit cards, online loans and even borrowing friends.

Therefore, it is unfair to attribute the flower garden bill to Alipay, which is obviously the inversion of internal and external causes.

Like credit cards, flower buds have an interest-free period of a certain number of days. A few years ago, it was not easy for most people to apply for credit cards in the four major banks. Bai Hua solved this problem for everyone? And now there are credit cards that are basically not needed. It's all spent. Online shopping accounts for too much. Besides, flowers can be used in physical stores now.

Flower buds have brought so much convenience to our lives. However, some people have wasted this convenience. Lead to high debts, why? I summarize the following points.

First, I have poor self-control. For example, I want to buy a cotton-padded jacket today, but it doesn't matter whether the down jacket is good or not and the price is high. I'm optimistic. Let's just start. And flowers! Look at these pants again. They are both fashionable and beautiful. Buy it! ! ! And flowers! Originally, I only needed to buy a cotton-padded jacket, but I bought so many unnecessary but exciting clothes. This is poor self-control.

Second, I don't know enough about flower buds. Flowers are the same as credit cards. I can give you an overdraft, but you must pay it back. It's like you borrowed money from a friend and you have to pay it back. The money you spend on flowers is not your own money.

Third, I have insufficient financial control over myself. We have to make a plan every month, how much money I earn, how much money I need to spend, and the proportion. To avoid getting into debt. Talent is a reasonable expense.

Finally, some people are warned that they are rich when they use flowers. Don't forget, they must be returned It is very important to maintain good credit for benign consumption! ! !

Can't I use Bai Hua's red envelope? I used it twice tonight, and the red envelopes were useless. I just stopped using flowers decisively!

Alipay's flower buds claim to be online credit cards, but friends who have already opened this function can use them first and then repay them. Because everyone's sesame credit score is different, the amount of flowers is also different, but it is 1 every month, and then it will be repaid on the 9 th of each month.

Judging from the billing cycle in Bai Hua, the longest interest-free period can reach 40 days. Like bank credit cards, Bai Hua supports minimum repayment and installment repayment. For example, your bill this month is 1 1,000 yuan. According to the minimum repayment amount, you only need 10%, which is 1 1,000 yuan.

Compared with bank credit cards, Huayuan mainly supports online payment scenarios, and there are not many scenarios that can be used offline, which cannot be compared with bank credit cards. However, in the era of mobile payment, most of young people's consumption payments are made through the Internet, so the value and significance of flower beds are still great.

For many young users, they like the mode of buying in buy buy on weekdays, especially holidays or special days such as 6 18 and Singles' Day. That's really crazy. Alipay also likes it, and even increased the amount of flowers (temporary amount) in advance for everyone, with the purpose of stimulating consumption. If you don't have strong self-control, you may make ends meet, and you will find that you can't afford it by the end of the month.

In fact, this is the same as using a credit card. I enjoyed it when I spent money, but I was stretched out when I repaid it. You can't seduce you with a bank or Alipay. In the final analysis, Alipay's flower buds and bank credit cards are just payment tools, and tools serve people. As for how to use tools reasonably, it depends on your attitude.

In a word, I think it is impossible to talk about who seduces who. It is precisely because of credit cards and flowers that many people have the opportunity to enjoy living expenses in advance, but some people have a lot of debts. But as a tool, there are always two sides, both advantages and disadvantages. You can't deny the function of cutting vegetables just because the kitchen knife is used to kill people. In short, please remember that only "sweating by yourself and eating by yourself" is the happiest.

Compared with many lending platforms, Huayuan is still very conscience.

1. The maximum interest-free period is 4 1 day; The second is to launch activities from time to time; Third, there is no extra expenditure; Fourth, according to the individual's spending power and repayment credit, the amount is small.

No matter from the user experience or risk control, the whole flower garden is still good.

As for the changes in consumption habits and payment methods, if you really don't want to change them, you can stop using them or even uninstall them without affecting your survival at all.

And those who are willing to try to change have another way to pay, so why not?

You can think of Hua Bai as an electronic credit card. People who have credit card consumption habits will certainly not feel very troublesome, even more convenient than using credit cards. Besides, credit cards don't have so many red envelopes for you to accept. I'm not used to using credit cards, and I don't have a credit card under my name, but I'm also handy with flowers. I buy things on Taobao every month, and physical stores also pay Alipay. Usually, when I get paid at the end of the month, I will return the flower buds conveniently.

It is not so much a debt as an overdraft. Because the amount is small, there are certain restrictions every month, which I believe is not a burden for most people. Compared with routine sets and campus loans, flower beds are a clear stream. The society should encourage this innovation and promote the further improvement and development of the consumer credit platform. It is understandable that some people can't accept it, but others should not be excluded from using it.

(family fortune password: golden sickle)

I opened and closed the bud, and its magic was my desire.

0 1 Open the garden

When I was still in college, the living expenses were always insufficient. Sometimes I would do some part-time jobs or find someone to borrow money to turn around first.

At that time, I was still at school and had no access to credit cards. I met Bai Hua when I was in contact with Alipay. I think Bai Hua is still a good thing. After all, it can be interest-free for up to 30 days.

It is not appropriate to always borrow money from classmates, so every time the money is not enough, I will put a bud on it first, and then I will be fine.

Close the bud

Although flowers are good, people have endless desires.

After using the flower buds for a while, I found that the debt was getting higher and higher, and the time to start using the flower buds every month was getting earlier and earlier. I carefully thought about the reason, that is, after using the flower buds, I paid less and less attention to my own money, and bought everything I should buy and shouldn't buy, which was a waste of money.

After understanding this, I will return the flowers once and never need to spend them again. After all, things are good, but when you can't control your desires, good things will turn into bad things.

Be tempted to use flowers again.

How can I put it? It is people who design flower beds, and it is also people who design flower bed preferential mechanisms. People know themselves best, and the things designed by nature are also the most irresistible.

Starting to use the flower bed again is to scan the code to get a red envelope, and this red envelope can only be paid through the flower bed.

At the beginning of this activity, many people used their wisdom to get a lot of wool, the most famous of which was selling cabbage. At that time, although there were not many red envelopes, it was not a problem to solve a breakfast. Naturally, I started to use flowers again, but I was more restrained and returned them immediately after I used them.

Now it's 0.02 yuan each time. I haven't thought about it for a long time, so naturally I closed the flower shop again.

Views on debt, if you want to get a discount;

Nothing for nothing. You value other people's benefits, and others value your desires.

This kind of discount will be used more frequently, which will enlarge the desire in the heart and increase the number of users for Alipay. The biggest benefit brought by the increase in the number of users is definitely more profits.

In short, to control your desires, you can make concessions and have debts, but you should know whether these debts are worth it.

Every time it's the repayment date, Alipay will warmly remind you that it's your turn to repay. For example, you may receive the following news: Bai Hua will automatically repay 10 in July 1354 1.09 yuan. I feel a kind of anxiety in July 10, and I have to spend it again! This sentence is familiar. I used to have to pay back my credit card again.

Flower buds, a lending business similar to credit cards, have similarities and differences with credit cards, which makes flower buds more popular with users:

Of course, credit also has advantages, such as a relatively high amount, such as some discounts, points can be exchanged for things, and credit cards will be collected for overdue meetings. In contrast, Huayuan will not receive credit information for the time being.

Low threshold, without the influence of credit information, will make more Huayuan users; Moreover, Alipay also actively encourages users to use flower beds. For example, the previous promotional activities such as paying for flower beds and sending red envelopes have made some users unconsciously use flower beds.

It can be said that you use the flower bud more or less every month, unless you close the flower bud, here are the ways to close the flower bud: Alipay APP- My-Flower bud-My-Other-Close the flower bud.

I don't think I'm in debt because of Bai Hua's red envelope. Flowers and red envelopes can only be regarded as extra benefits besides liabilities.

It is said that Alipay's flower buds have the same function as credit cards. However, the interest-free period of Huabai is a bit short, not as long as the 56 days of credit cards. Still, flower buds are very popular. Because its customer base is different from the main body of the credit card.

Anyone who has the burden of spending money is nothing more than spending money online, buying this and buying that. Some people, whether they have money or not, are unwilling to pay out of their pockets and are willing to pay with flowers or credit cards. Pay back the bill when it comes out. For those who have no money, this is easy to explain, in order to spend in advance; For those who have money and don't pay, this is just a habit. They are used to using other people's money first, and then paying their debts when they are due.

Whether it is a good thing or a bad thing to pay with flowers depends on the degree of using flowers. Too much is too late. If you overdraw and spend money beyond your repayment ability, you will bear not only economic debts, but also spiritual debts. Not everyone can bear the taste of being in debt. How inappropriate it is to have fun while spending and then bring great pressure on yourself.

If you can spend money within your means, you can save your money for something else, or simply put it in a bank account and earn interest every day, right? The use of flower buds should be the same as the use of cash, so as to maximize benefits and minimize pressure.

Because he gave you a quota, I only gave you 50 at first, and I will give you an increase as soon as I use it. Who doesn't? Everyone wants to have a deposit and doesn't need his own money. Oh, when they finally get paid, it's endless. Oh, my God. Others, buy if you have no money, and then pay the minimum amount. Colleagues around me can't help but buy a red envelope or something. People are like this now. They are not normal if they don't do this, but I still like abnormal days. It's so comfortable

It seems that the subject's thinking is out of date and has not kept up with the times. Modern society cannot treat this debt problem so simply. It is very necessary to use future money reasonably, just like buying a house with a loan. I don't think most people can buy a house without borrowing money from the future. After all, not many people can come up with millions of cash at once.

In fact, it is the same to return to Alipay. Using flower beds is not a very evil thing, nor is it a serious debt problem. Just use the future money reasonably for the present consumption. Moreover, in today's society, not only flowers, but also bank credit cards are used to pay off debts with future money.

Let me tell you why I use flowers and credit cards and why I am willing to be in debt! Personally, I don't spend much. It's closed. I usually use the flower buds offline, because I look at the flower buds red packets given by Alipay. Online use of flower buds is mainly aimed at some large items, and sellers do not support credit card payment. In both cases, I will use flower buds.

I basically pay the rest by credit card, so why should I use credit card? The reason is simple, that is, if you use your credit card properly, you can spend more interest-free money, and you can use it, bonus hunter.

1, interest margin: As credit cards have an interest-free period of about 50 days per month, and my current monthly expenses are basically around 1W, there is no way. The cost of living in Shanghai is too high. Paying by credit card allows me to use the interest-free period to keep my money lying in the bank or financial platform to earn interest. Even if you earn 1 yuan every day, you can have 30 yuan in a month, and 1 year is 360 yuan.

2, rights and interests: the rights and interests of credit cards are actually quite good. Choosing the right card according to your actual needs can give you some good discounts, such as 10% discount on prepaid phone bills, 8.5% discount on refueling, and certain discounts on supermarket shopping. These actually reduce your actual expenses. Although it is not much reduced each time, it is still a lot of money in one year.

Add up the above two items, one in and one out, and you can save thousands of dollars a year, which is not a problem at all!

So, you see, is this kind of debt good? Debt that can save you money! Reasonable use of flower beds can also save money, of course, the effect is not as good as credit cards, after all, the rights and interests of flower beds are very tasteless.

Of course, all the above are based on reasonable consumption. It is not advisable to spend more than one person's income. In addition, using the interest-free period to earn spreads is also within our power. You actually don't spend much money every month, and the interest you can earn is actually not much. Don't force it.

In short, let yourself be in debt reasonably, so that your funds can be used more fully! In addition, you can use a credit card as much as possible. Flower buds are chicken ribs, and you can only use them when you really have no choice.

Thank you for reading. Give me a compliment and encouragement. Welcome to the Roche Entomological Society. Thank you ~ ~