Is there a 3-day grace period for flower buds? How long is it overdue to call Hua Bai?

Bai Hua is a loan product in Alipay, which can be used first and then returned. Its function is similar to the familiar credit card. Many young people habitually use Bai Hua to pay when spending, and Bai Hua's overdraft function provides more convenience for everyone.

However, frequent use of flower beds can easily lead to excessive consumption, resulting in users unable to pay off their debts within the specified time. So, does the flower bed have a grace period like a credit card, and how long does it take to make a phone call?

Bai Hua is a product that can be overdrawn in advance in Alipay. After the opening of Bai Hua, users will receive spending quotas ranging from 500 yuan to 50,000 yuan. Users can use Bai Hua to spend within the limit. The billing date in Bai Hua is 1, and the repayment date in Bai Hua is 10.

Users can pay off their debts within the repayment date and enjoy an interest-free period. If the user fails to pay off the debt after the repayment date in Bai Hua, it may be overdue. Flower buds, like credit cards, have a three-day grace period for repayment. If the user can't pay off the arrears on 10, as long as all the arrears are paid off within three days after the repayment date, Huabai will be regarded as the user's repayment on time, which will not be counted as overdue and will not generate any additional expenses.

However, if the user fails to repay after the three-day grace period provided by Huayuan, then there will be overdue behavior. Generally, after the repayment date, the user has not repaid, and the flower bud system will send a text message to remind the user to repay. When the user has not repaid after the three-day grace period, then Huabai may call for collection.

Generally, the overdue time is within 7 days. As long as the arrears are paid off in time, the impact will not be too great. However, if the user's overdue time reaches 30 days, the user's flower garden may be closed.

If the user fails to repay the money for a long time, and the overdue amount of the user is large, then the flower bud may recover the arrears through legal channels, and the overdue user may be sued by the flower bud, so everyone must pay attention to timely repayment and maintain a good repayment record when using the flower bud.