Somehow, I received the repayment from Bai Hua.

I didn't pay with flowers. Why do you want me to pay it back?

I didn't use Bai Hua to pay and asked me to pay back. The main reasons are as follows:

First, the user who has this situation has handled the installment, and the previous installment has not been settled, so the corresponding installment bill needs to be returned this month.

Second, the customer did not repay the bill of last month, but chose to postpone the repayment, so the bill of last month was directly postponed to this month.

Third, the previous bill was not paid off in full, and the remaining unpaid part was left to this month. There are not only unpaid principal, but also cyclic interest generated by unpaid principal.

Fourth, the disclosure of personal information leads to the theft of flower buds by others, and the consumption by others will naturally generate bills. This will happen in this case.

Huabai is a consumer credit product launched by Ant Financial from 2065438 to April 2005. After users apply for opening, they can get a spending 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". Ant Flower Garden Consumer Credit Asset-Backed Securities Project was listed and traded in Shanghai Stock Exchange on August 4, 20 16, becoming the first ABS of Internet consumer finance in Shanghai Stock Exchange.

Alipay is a third-party payment platform, which was launched in June 2003 at 5438+ 10 and June 2003 at 5438+May. Originally a department of Taobao, a website of Alibaba Group, it officially operated independently on February 8, 2004. Now it is a subsidiary of Ant Financial, which is independent of Alibaba Group. Alipay has developed from a single payment tool to an open platform that provides payment, living services, government services, social interaction, wealth management, insurance, public welfare and other scenarios and gradually covers the whole industry.

In addition to providing convenient basic functions such as payment, transfer and collection. , but also quickly complete credit card repayment, phone charges, water, electricity and coal charges. Through the intelligent voice robot, you can reach hundreds of life services in one step. You can not only enjoy consumption discounts, interact with friends, but also manage money easily and accumulate credit.

Alipay can also be used on smart phones, and the mobile phone client is Alipay wallet. Alipay wallet has the function of computer version of Alipay, and contains more innovative services because of the characteristics of mobile phones. Such as "face-to-face payment" and "QR code payment". You can also make Alipay wallet your own personalized mobile phone application by adding "service". Alipay wallet is mainly used on iOS and Android, and iPad and WP versions are under development.

It's no use asking for help. Why is there a reminder of repayment?

It may be because someone else applied for a flower shop with your identity information, so you can receive a reminder message for repayment. Now the mobile phone number and ID card are bound. Your identity must have been used by others. So I suggest you change your password or call for relevant information.

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.

I didn't use flowers. Why does my mobile phone receive a repayment message?

You can check the repayment information of the flower bud, whether it is caused by your careless use of the flower bud. You can check whether the flowers are open 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. You can also find Alipay official customer service to solve this problem.

Before using this mobile phone number, someone was using this mobile phone number and bound it to the repayment mobile phone number in Bai Hua, and stopped using it for some reason. This will happen if you use this mobile phone number again.

Extended data

Development course of bud

During the 20 15 Double Eleven period, Ant Flower Garden gave full play to its product ability of worry-free payment, and paid 60.48 million transactions throughout the day, accounting for 8.5% of Alipay's total transaction volume.

On June 4, 20 17, Jing Xiandong, CEO of Ant Financial Services, announced that "the technical capabilities and products accumulated by Ant Financial Services will be fully open to financial institutions, one mature and the other open. Openness does not divide the distance. The only selection criterion is whether it is innovative and has user value. "

On May 20 1818, Bai Hua, the consumer credit product of Ant Financial, announced its opening to banks and other financial institutions.

Reference: People's Network-The "secondary numbering" of mobile phone numbers has revitalized resources but caused a lot of problems.