Is it true that Bai Hua sent a message saying that she came to know the situation?

In fact, if the borrower fails to return the flower buds and the overdue amount is large, it is indeed possible for the official officials of the flower buds to come to collect them.

Of course, the collection personnel will not violently collect, and this can still be assured, because the flower garden is a formal platform and will not do illegal things.

In order to ensure the safety of funds and recover the principal, after the collection methods such as telephone calls and text messages are ineffective, the official staff of Bai Hua will come to collect the money.

In most cases, the collection staff in Bai Hua will bring a third-party notary to the door, and then face to face with the borrower for overdue negotiation and repayment communication.

As long as the borrower has a good repayment attitude and can discuss the specific and feasible repayment plan with the collector, Bai Hua will not sue the borrower.

However, in reality, door-to-door collection is still relatively rare. After all, the credit line that most borrowers can get is limited. As long as it is not a large number of loans overdue, Bai Hua will prefer to use other methods to collect funds.

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".

On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.

By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.

202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.

On 20 1 811June12nd, the new function of AliPay App announced that the flower bud deferred repayment function will be fully opened on1June/February1day. To put it simply, the extension of the flower garden is equivalent to a simple transition, which can alleviate the repayment pressure of the pickpocket party to a certain extent.

On July 30th, 20 19, Alipay began to make an appointment to adjust the billing date and corresponding repayment date in Bai Hua: users who have signed a contract in Bai Hua for more than one year can enter the setting of Bai Hua-My repayment date after passing the system evaluation. Users can now choose to repay on June 5438+05 or 20, and the billing date will be adjusted to June 5 or 10 accordingly.