The difference between a credit card and a flower shop

There are three obvious differences between flowers and credit cards. Credit card applications are strictly examined, and only when the applicant has a good repayment ability is the credit card granted according to the information of the applicant's age, work, education, assets, etc., while the requirements of Huabai are lower.

First, the full name of Flower Garden is Ant Flower Garden, which is a consumer credit product launched by Ant Financial. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

Second, the ant flower garden has stepped out of the Ali e-commerce platform and * * * has access to more than 40 external consumption platforms: most e-commerce shopping platforms, such as Amazon and Suning; Local life service websites, such as word of mouth, Meituan, and public comments; Mainstream 3C official shopping malls, such as official shopping malls such as LeTV, Haier, Xiaomi and OPPO; There are also some overseas shopping websites.

Thirdly, for young users, the attraction of ant flower beds is that they can use credit lines for shopping, and the interest-free period can reach up to 4 1 day. Among the users of ant flower beds, hipsters and foodies have become the main force. The data shows that among the goods purchased by ant flower buds, women's fashion products such as women's wear, accessories, beauty and skin care, handbags and women's shoes account for more than 20%; Snacks, specialties, drinks and other foods ranked second with 10%; Followed by digital, maternal and child supplies.

Fourth, the data also shows that users use ant flower beds more through mobile phones, and their mobile transactions account for 60%. At present, it includes function opening, bill inquiry, repayment and so on. The ant flower garden has all realized the mobile application operation. With the increasing popularity of mobile payment, ant flower bud is expected to become a killer mobile payment application.

5. The amount of ant flower buds is awarded according to the cumulative consumption and repayment behavior of users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, the corresponding quota may be increased. Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.

Sixth, the 9th of each month is the flower bud repayment date, and users need to pay off the flower bud bills that have been generated on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.