I haven't used flowers, but I've always had repayment reminders and text messages about the repayment amount?

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 has been using it, and it has been bound to the Huabai repayment mobile phone number, and it will be stopped for some reasons. This will happen when you use this mobile phone number again. In this case, you can ask Alipay's official customer service to inquire and 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 repay the money in a unified way next month.

Ant Flower Garden has been officially launched since April 20 15. Mainly used for shopping on Tmall and Taobao, it has always been loved by consumers, especially those born in 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 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 spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

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 exist in the user's flower garden account, and it will be regarded as arrears when it expires.

Affect sesame credit score. Alipay Sesame Credit is difficult to score points, 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 will also be affected in the future.

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 seriously overdue, it might not have a direct impact on the credit information, and it would only reduce the sesame credit score. After the upgrade, Huayuan will report the credit information truthfully after it is overdue, so don't be careless.