Hua Bai checks the balance SMS in different places.

You can check whether the repayment information of the flower bud is caused by your careless use of the flower bud, and you can check whether the flower bud is opened in Alipay. If you don't open the flower bud and receive the repayment information, it may be caused by the second use of the mobile phone number. This is because before you use this mobile phone number, someone is using it and binding it to Huabai repayment mobile phone number, and it will be deactivated for some reasons. This will happen when you use this mobile phone number again. In this case, you can ask the official Alipay customer service and make inquiries to solve the problem.

Huabai is a consumer credit service on Alipay. Users can get a certain amount of consumption after opening the flower garden. When the amount is enough, they can pay without any cash, and will be repaid in a unified way next month.

Ant Garden has been officially launched since April 20 15. It is mainly used for shopping on Tmall and Taobao, and has always been loved by consumers, especially those born in the 1980s and 1990s. In order to better serve consumers, ant flower buds began to break the restrictions of shopping platforms and expand their services to more online and offline consumption fields.

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 50,000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first and paying later".

The consequences of not returning the flowers are very serious, as follows:

Generate a penalty interest. Overdue repayment of Huabai will generate overdue interest rate, and interest will be charged on a daily basis at 0.05% of the unpaid amount in the current period. If this penalty interest is not paid back, it will always be kept in the user's Huabai account, and it will be regarded as arrears if it expires.

Affect sesame credit score. Alipay Sesame Credit is difficult to score, but as long as it is overdue, it is a matter of minutes. Once the sesame credit score is reduced, the use of flower buds and borrowing buds in the future will also be affected.

Affect credit reporting. At present, Alipay has started to access the flower garden through service upgrade. In the past, if the flower garden was not overdue seriously, it might not have a direct impact on the credit investigation, but it would only reduce the sesame credit score. After the upgrade, Huayuan will truthfully report the credit information after the deadline, so don't be careless.