What are the consequences of spending two days overdue?

The problem of overdue repayment for two days is not very big, because the flower garden provides users with a three-day grace period. As long as everyone repays within the three-day grace period, it is not overdue and will not affect everyone's credit. However, if everyone fails to repay within the grace period, then there will be trouble. After the flowers are overdue, there may be a few days of SMS and phone reminders to let users repay on time, and some sesame branches will be reduced. If the repayment is not made within seven days, there will be a phone call for collection, and the Sesame Branch will have a negative record, which will affect the amount of flowers. If it is temporarily closed for three consecutive months, the flower garden quota will not be restored until it is fully paid off.

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Bai Hua 1

Huabai is a consumer credit product launched by Ant Financial from 2065438 to April 2005. After users apply for opening, they can get a spending 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". Ant Flower Garden Consumer Credit Asset-Backed Securities Project was listed and traded in Shanghai Stock Exchange on August 4, 20 16, becoming the first ABS of Internet consumer finance in Shanghai Stock Exchange.

2. Which is better, the flower garden bill installment or the minimum repayment amount?

After comparison, Hua Bai bill installment is better than the minimum repayment amount. Generally, you can choose three, six, nine or 12 installments for the bill of Huabai. Different installment fees are different. There are often activities in the installment of bills, and sometimes there is no charge. On the other hand, the remaining unpaid principal on the minimum repayment date starts to calculate the circulating interest from the day after the due repayment date, with a daily interest rate of 0.05%, and there is generally no activity.

3. Is Huayuan an online loan?

Ant flower garden belongs to consumer micro-loan and is a kind of online loan. Mainly used for personal online shopping, consumption, staging and so on. The full name of flower bud is ant flower bud, which 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. When users consume, they can advance the amount of ant flowers, so as to "consume first and then pay".

4. What's the interest rate of Huabai?

(1) If the user adopts the method of staging, then the staging cost of the flower garden is about: 2.5% for 3 months; 6 months is 4.5%; 9 months is 6.5%; 12 months is 8.8%.

② Bai Hua overdue penalty interest is calculated on a daily basis at 0.05% of the unpaid amount in the current period, and overdue fee = overdue amount x0.05% x overdue days.

5. How to increase the number of flower beds?

First of all, we should often use flower beds for online shopping payment and online shopping priority payment to enhance the activity of flower beds. Secondly, you can set flower garden payment as the first choice for payment. In addition, users of flower buds should repay in time within the repayment date of flower buds, otherwise the sesame credit branch will be reduced, which will affect the increase of flower buds.