What happens when the flowers expire?

If the flowers expire, there will be the following consequences:

1. Deduct the credit line of Huabai: If the user fails to repay the loan within the time limit, Huabai will deduct the credit line of Huabai according to a certain proportion. This means that users will not be able to continue to use flower buds for consumption during the overdue period. The amount of deduction will depend on the overdue time and repayment amount.

2. Affect personal credit records: Bai Hua cooperates with third-party credit reporting agencies to report users' repayment records to personal credit reporting. Overdue repayment will have a negative impact on personal credit records, making users' credit rating decline. This will affect users' application for credit business in other financial institutions in the future, and they may face higher interest rates, stricter approval requirements and even be rejected.

3. Collection action: Huayuan will collect overdue payments through various means. This includes text messages, phone calls and letter reminders. If the user fails to repay the loan for a long time, Bai Hua can entrust the collection work to a professional collection agency. Collection agencies can take home collection, legal proceedings and other ways to recover overdue payments.

Summary: Failure to repay the loan within the time limit will lead to the deduction of the credit line, which will affect the personal credit record and may lead to collection action. Therefore, it is very important to manage Bai Hua's account reasonably and repay it on time.

Extended data:

Bai Hua is a consumer credit tool owned by Alibaba. Users can open flower beds on Alipay platform for consumption. Huabai supports installment payment and credit consumption. Users need to pay off Bai Hua's arrears on time before the stipulated repayment date every month to avoid the consequences of overdue. If it is overdue, there will be certain rules to deduct Bai Hua's credit line according to the length of overdue time and repayment amount.

The above is the answer according to the domestic financial industry practice. Because the specific situation varies from person to person, please consult the relevant customer service staff of Alipay Huabai for accurate information.