What if the flowers are out of date?

Adjust the repayment date: when the borrower spends money overdue, he can choose to adjust the repayment date in the personal page-Spend money-Settings. The repayment can be adjusted to the end of each month at the latest. After the repayment date is adjusted later, borrowers can have more time to raise funds.

However, it should be noted that the platform requires borrowers to submit an application for adjusting the repayment date of Huayuan in advance, and the repayment date can be adjusted after the platform is approved.

Payment by installments: Bills in Bai Hua can be paid by installments, which will generate handling fees. If the borrower really can't repay the flower garden bill, he can apply to the platform for installment repayment according to his repayment ability. Bai Hua supports four stages: 3, 6, 9 and 12. The longer the installment time, the lower the installment fee.

Apply for agreement repayment: If the borrower is really unable to repay the flower garden bill, he can also choose to apply for agreement repayment from Ant Financial's customer service. Although Huabai does not support negotiating repayment, the borrower can make a relatively complete repayment plan according to his own economic strength after the overdue time exceeds 90 days, and then negotiate with the collection personnel.

The main purpose of the collector is to urge the borrower to repay the arrears. As long as the borrower can maintain a good willingness to repay, the collector and Ant Financial are also willing to accept negotiated repayment.