What is credit purchase?

Credit purchase is a new service launched by Alipay, which can enjoy the right of "use first and then pay". The experience period is 7 days. Through credit purchase, you can buy goods and try them out, and finally you can decide to buy or return them at the end of the 7-day experience period.

Credit purchase has covered Tmall, including nearly 50,000 kinds of products such as 3c digital products, mobile phones, musical instruments, automobiles, home appliances, beauty cosmetics, clothing and home furnishing. Only users with sesame score above 650 can open it. Search for "Tmall Credit Purchase" in Taobao and enter the product page. You can choose goods and choose to buy on credit.

Extended data:

First, how to open Taobao credit purchase?

Opening a credit account is very simple. You only need sesame credit score above 650, then open Taobao to search for "Tmall Credit Purchase", click on a product casually, you can see the credit purchase sign, and then click on the credit purchase icon directly, you can directly enter the credit purchase opening page, and agree that the agreement will be opened immediately.

2. What's the difference between flowers and buying on credit?

1. According to the official announcement of flower buds, in order to implement the regulatory requirements related to consumer credit and more fully protect consumers' rights and interests, flower buds have started the "brand isolation" work, and some users' flower buds have been updated to flower buds and "credit purchase".

2. In the past, the flower garden service was jointly provided by Ant Group and other financial institutions such as banks. In June this year, the Insurance Regulatory Commission of the Bank of China said that Bai Hua and Lending will become the exclusive brands of Ant Consumer Finance Company in the future, and consumer credit provided by other financial institutions can no longer be labeled as Bai Hua and Lending to avoid brand confusion.

3 "credit purchase" service refers to consumer credit provided by other financial institutions. The "XX Bank Credit Purchase" you see represents a specific service provider. Flower Garden still exists, as the exclusive product of Ant Consumer Finance Company, focusing on the needs of small and medium-sized consumers.

Third, how to use "credit purchase"?

1, "credit purchase" and "flower garden" have little change in the experience of interest-free period, review and repayment.

2. From the point of view of the quota, some users reported that the quota of Huayuan itself has declined after the upgrade, but with the "credit purchase" quota, the total quota of the two is basically the same as the original quota of Huayuan. You can see the total amount on the homepage of Huabai | Credit Purchase, or you can view the amount of Huabai and Credit Purchase separately.

3. When making payment, credit purchase is a payment channel independent of Baihua, and you can choose freely. However, due to the more abundant types of credit purchase, credit purchase will be preferred in payment. However, this payment order can also be adjusted.

4. When making repayment, you can directly summarize the repayment in the general bill on the home page of Bai Hua | Credit Purchase, or you can make repayment separately in Bai Hua or Credit Purchase.

5. It is also clearly stated in the announcement of Huayuan that the interest-free period of credit purchase is the same as that of Huayuan. If you use it that month and return it next month, there may be an interest-free period of 65,438+0 months.

6. "Credit purchase" provides consumer credit services like flower shops, so it is also necessary to report credit information. However, as long as we maintain good habits of use and repayment, it will not have a negative impact on credit reporting.