Alipay Bai Hua owes 4,000 yuan, and they sent a text message saying that the fine of more than 20,000 yuan is true.

If the flowers are overdue, there will be liquidated damages, which is actually overdue penalty interest. The system will charge penalty interest at the daily interest rate of 0.5 ‰ from the overdue date. For example, if the user is overdue for 1000 yuan for ten days, the penalty interest is: 1000×0.05%× 10=5 yuan.

We also need to note that once the flower bed is overdue, it will not only generate overdue penalty interest, but also limit the follow-up function. It is very likely that the flower bed is frozen by the system, which makes it impossible for users to use it later.

And the overdue situation will be submitted to Sesame Credit by the system, which will affect the user's Sesame Credit score. Some users' flower buds are also connected to the central bank's credit information system, and will be reported to the credit information after the deadline, which will damage their personal credit information and affect users' going to banks or other licensed consumer financial institutions to handle credit business.

Therefore, in order to avoid being charged liquidated damages and maintain a good personal credit, the subsequent credit business can be handled smoothly, and the function of the flower shop is not restricted. Customers must pay attention to the good habit of repayment on time. If the repayment cannot be made in full and on time, the customer can also make the minimum repayment, or apply for installment or deferred repayment.