The reason why the limit lock of Xianghua Card (version: 2.4.7) fails is probably due to network problems. It is recommended to change the network. Xianghua Card is an Internet payment product and a service of Yangxiaomei APP. If you open the Xianghua Card, you can directly enjoy the shopping experience of "spend first, repay later". The most important thing is that you can pay in installments on bills, not on goods.

1. Similar to Xianghua Card, there is Huabei of Alipay (version: 10.2.36.80). Alipay Huabei is a credit product similar to a credit card. As long as the repayment date is within one month, Pay off in time without any interest fees. As long as you use this special installment limit, interest will accrue. In fact, it is no different from ordinary loan products. This is obviously a service launched by Alipay to increase its own income. . For people with very low quotas, it is also a disguised method to increase their quotas. You can choose this if necessary.

2. Huanxianghua is an upgraded version of Huanbei. Based on Huanbei, it adds the function of credit payment. Users can use Huanxianghua to consume first and pay later. The maximum limit of Huanxianghua is 200,000 yuan, the annual interest rate of the loan is as low as 8.99%, and the daily interest rate for borrowing 10,000 yuan is as low as 2 yuan. Spend first and pay later use Huanxianghua’s exclusive consumption quota, which can be used both online and offline. In addition, users can also bind their accounts to WeChat, and after binding, they can pay with WeChat.

3. Enjoying Flower Card is similar to a kind of advance consumption. There are many harms of premature consumption. It cannot be denied that premature consumption is a double-edged sword. While we must affirm its benefits, we must not ignore the adverse effects it may bring to society. Just as there are successes and failures in investments, there are also risks in credit consumption. There are many dangers of excessive consumption. Bell once made such a wonderful statement about the popular installment payment in the West: The weapon that caused the most serious damage to the Protestant ethics was the installment payment system, or direct credit. The "negative man" phenomenon is a unique product of advanced consumption. If it is not properly controlled, it will have adverse effects on both the ideological and economic aspects of society. There are many harms of excessive consumption. Excessive consumption will stimulate people's pursuit of material things. Excessive pursuit of material enjoyment has also led to an increasingly serious problem of money worship in society. The public's values ??and outlook on life are extremely distorted, and may even lead to extremely destructive hedonism and a culture of unrealistic waste.