When should the repayment date of Bai Hua be adjusted?

How to adjust the repayment date of Bai Hua?

The repayment date of Bai Hua needs to be adjusted, and the path is as follows:

1. Log in to Alipay APP；;

2. Enter the garden interface;

3. Enter the account setting page;

4. Select the repayment date setting option to modify it.

To adjust the repayment date of Bai Hua, the following conditions need to be met:

1. Huayuan account status is normal;

2. This is the first adjustment or one year has passed since the last adjustment.

Everyone needs to pay attention to:

1. There are generally only two options for adjusting the repayment date in Bai Hua, namely, adjusting it to 15 or 20 (the specific adjustment date is subject to the actual page), and the billing date will change with the change of repayment date, namely, 5 and 10 (the original repayment date of Baihua is 8 /9/10).

2. The monthly repayment of Hua Bai in Japan will be adjusted, and the billing cycle will take effect next month, which will only affect the outstanding bills. ?

3. It can only be adjusted once a year (non-natural year), and once it is operated, it is irrevocable (that is, it cannot be adjusted again within one year after adjustment).

4. After one year, if it is transferred from other billing date to the billing date of 1 every month, the repayment date will be fixed as 10. ?

Can I change the repayment date of Bai Hua to 20th? It must be returned on time after use.

Usually, flower beds are used by more and more users, but when the flower beds were first opened, the repayment dates were 8, 9 or 10. But these repayment dates are inconvenient for some people, but they can be changed to 15 or 20, so how about changing the repayment date of Huabai to 20? Let me introduce you.

Usually, you can't apply for changing the repayment date after using the flower buds for one year. In fact, it depends on your own income to change the repayment date of Huabai to the 20th. For example, the time when you pay your salary is 15, so it's better to change it to the 20th. If the salary is paid on the 25th, it may be spent on the 20th of next month, and it will be difficult to repay.

If the repayment date of the user's flower buds changes, the billing date of the flower buds will also change. When the repayment date is 15, the billing date is 5 days. When the repayment date of Bai Hua is 20th, the bookkeeping date will become10; Usually, it will take effect next month after it is changed in the current month.

When the flower garden was opened, different users got different credit lines. At the beginning, the credit line is not very high, but it can be increased later. The flower buds must be returned on time after use, and there can be no overdue situation, because there will be penalty interest after the deadline. The longer the time, the more penalty interest will be, and the collection will be carried out after the deadline.

In fact, if the flower buds can't be returned on time after use, you can use installment repayment or deferred repayment, but you need to apply between the billing date and the repayment date, and you can't cancel after passing. You can choose different installments, and different installment fees are different, but you can return it in advance after installment.

In order to prevent the used flower buds from being returned on time, it is best for users to know in advance what benefits they need to return from using the flower buds to avoid overdue. Finally, the flower buds may be uploaded to the credit information center after the deadline, which will lead to the deterioration of personal credit information, because the deterioration of credit information will affect the handling of various loans.

The repayment date of Bai Hua is adjusted, and some users can choose 15 or 20.

Alipay issued a Weibo on July 30, 20 19 12: 27, focusing on adjusting the repayment date of Bai Hua. Alipay will adjust the repayment date to 15 and the 20th of each month. Many users are cheering and feeling that they can finally spend money on payday, so don't worry about the overdue.

However, while being happy, many users find that their flower buds repayment date is still the 8th, 9th and10th of each month, and the flower buds repayment date has not been adjusted. The adjustment of the repayment date of the flower bud is not completely open, so the user needs to manually operate and make an appointment to adjust the repayment date of the flower bud.

Users need to click "My" in the flower garden interface, and then click the repayment date setting tab. On the Bai Hua repayment date adjustment page, users can choose to repay on the 5th and 20th of each month. Many users will find that there is no repayment date setting label when they open the flower bud setting interface, indicating that the user has not met the requirements of Alipay.

Users need to open the flower buds for more than one year to make an appointment to adjust the repayment date of the flower buds. After comprehensive evaluation by the system, the system will invite them to adjust the repayment date. If the user has opened the park for less than one year, the repayment date setting tab cannot be found.

Moreover, even if it takes a year to open the flower garden, the repayment date of the flower garden may not be adjusted, and users still need to pass the comprehensive evaluation of the system. The comprehensive evaluation of the system is mainly to evaluate the use of flower buds by users. When users use flower buds, have they ever been overdue?

If the user is overdue, Alipay will not open an entrance for the user to make an appointment to adjust the repayment date. Users need to keep a good record of the use of flower buds, continue to pay attention to the dynamics of Alipay, and wait for the day when the repayment date of flower buds is fully adjusted. The adjustment of the repayment date of Huabai is a right of old users, and it is also a service launched by Alipay to alleviate the repayment pressure of some users. After all, there are many "moonlight families", and users are stretched before the repayment date of Huayuan.

20 19 Bai Hua repayment date takes effect! Is the repayment date you choose 15 or 20th?

Some time ago, Alipay adjusted the repayment date of Bai Hua. You can choose 15, 20, and keep the original repayment method of No.9. It is scheduled now, and 10 will take effect.

Users who have signed a contract for more than one year can choose to repay on the 5th or 20th of each month after passing the system evaluation, and the billing date will be adjusted to the 5th or 10 of each month accordingly.

How to set and adjust the repayment date of Huabai?

Setting method of flower bud repayment date: set flower bud-my repayment date. Users can now choose to return the flowers on June 5438+05 or on the 20th of each month. If they choose to repay the flowers on June 5438+05, the bill will be issued on the 5th. For repayment on 20th, 10 will be issued.

Some time ago, my flower bud repayment date was successfully adjusted to 15, and some netizens reported that it was adjusted to the 20th. It's repayment day, friends, remember to repay!

It is reported that one of the reasons for the adjustment of the repayment date of Alipay Flower Garden is the feedback from users. Many companies pay about 15 every month, but the original repayment date was before that, which caused many users to be short of money when repaying. Adjusting the repayment date greatly reduces the repayment pressure of users and reduces the risk of overdue repayment.

At the same time, the flower bud fast charging service is online, which makes it easier to raise flower buds.

Fast charging of flower buds is a flower bud feeding service launched by Alipay. As long as you get the qualification of "flower bud quick charge" and deposit money in Yu 'ebao, the system will increase the flower bud quota 1: 1. Fast charging of flower beds is helpful to improve users' sesame credit and personal comprehensive score in Alipay system. For low flower beds, the advantage is to increase the amount.

However, after the flowers are quickly replenished, we should also rationally overdraw consumption, repay in full and on time, and maintain personal credit.

How can it be more cost-effective to spend money in installments?

1. Minimum repayment amount

Calculation method: After deducting the minimum repayment amount, the remaining unpaid amount will bear interest cyclically from the day after the due repayment date, and the daily interest rate will be 0.05%, which will be recorded in the next bill.

As shown in the following figure, Bai Hua's bill is 2633.35 yuan, and the minimum repayment amount after maturity accounts for 10%, 263.35. Then the interest of the remaining 2,370 yuan is calculated at 2370 * 0.05% = 1. 185 yuan every day, that is, 35.55 yuan per month.

Step 2 repay by installments

Calculation method: handling fee per installment = installment amount * handling fee rate \ number of installments.

Fee for flower bud installment (as of September 26th, 20 19): 2.5% for the third installment; 4.5% handling fee for 6 issues; 12 installment fee is 8.8%.

Here we calculate it in three installments, and the handling fee for each installment is 2633.35*2.5%/3=2 1.94 yuan, and the monthly interest is less than that in 22 yuan. Compared with the minimum repayment amount, it saves 13.55 yuan per month.

To sum up, it is not difficult for us to draw the conclusion that:

You can choose 3, 6, 9 and 12 to pay for the flowers. If you don't have enough money on hand, you don't need a lot of handling fees to choose three installments.

If you choose the minimum repayment amount, although the monthly repayment amount is not much, the repayment period is long and it takes a lot of handling fees.

Nowadays, many people are under great pressure when choosing installment repayment or shopping. I suggest you not to choose installment consumption easily. The real interest rate is not that low. If you want to know whether your installment fee is high or not, you can use the recently launched price comparison artifact to support the loan cost calculation of different loans between different repayment methods, and choose a more cost-effective platform through comparison.

Take the most commonly used ant flower buds as an example. I want to buy the latest iPhone 1 1Pro, and I need 10000 yuan, and spend 12 installments with 8.8% interest, that is, the monthly interest rate is 0.73%, and the total handling fee is 879.96 yuan. Compared with the same loan amount and term, the interest rate of money loan is 394.28 yuan, which is more than double the interest rate.

It is suggested that there are more and more consumer credit platforms, and you must choose a reliable platform when you need money urgently. At the same time, the role of credit information is becoming more and more important, so we must pay attention to borrowing and returning, not overdue, and we must use the platform price comparison artifact with money to save money before lending.