If you can't pay in installments, there may be the following reasons:

1. The merchant does not support it or the product does not support it.

2. Alipay is turned off or the account number is abnormal.

3. The flowers are overdue, so you can't apply.

4. The number of flower beds available in stages is insufficient.

5. The account can only be applied for installment once a month. After application, it cannot be cancelled or applied for a second time.

6. The installment amount does not reach the minimum payment, and the consumption amount of Taobao Tmall generally needs ≥600 before it can be spent in installments.

The inability to use the flower bed installment quota is related to the following reasons: the order does not support flower bed payment, and it is impossible to use flower bed installment payment; The exclusive quota of flower buds by installment is insufficient, and the ordinary quota plus the exclusive quota by installment is less than the payment amount; The order is detected as risky by the system, and payment by flower bud is not supported; The user has made consolidated payment, and some goods do not support flower payment.

Therefore, the flower bed installment quota cannot be used, and the user can solve it according to specific reasons. If it cannot be solved, the payment method can be changed.

What is the reason why flower buds can't be staged?

You cannot use flower bud staging for the following reasons:

1. The quota of flower beds available by stages is insufficient;

2. The merchant does not support it or the goods do not support it;

3. The installment amount can't reach the minimum payment, and Taobao Tmall generally needs ≥600 to be staged;

If all the above conditions are met, it is still impossible to pay by installment, which belongs to the system evaluation that the current transaction cannot be paid by installment. It is suggested to change other payment methods, and manual intervention is impossible. You can also choose to pay by installments after the subsequent bill.

There are installment payment and bill installment payment.

1. Bai Hua installment payment.

When placing an order for payment, you can choose to pay by installments, and then repay on schedule according to the number of installments selected before. Generally, you can choose 3, 6, 9 and 12 periods. The specific number of periods and the corresponding handling fee shall be subject to the display on your page.

Generally speaking, if a single transaction is more than RMB 100, and the merchant supports the payment by installment, you can choose to pay by installment, which is subject to the display on your page.

2. Garden bills are paid in installments

Bill temporary storage is the operation of temporary storage after the Huabai bill is generated. Users can operate the repayment amount in stages from the billing date to the monthly repayment date (as shown on your page). Generally, you can choose 3, 6, 9 and 12 periods. The specific number of periods and the corresponding handling fee are shown on your page. After the installment, the installment amount of the current month need not be repaid, and the first installment will be repaid from next month.

Installment repayment will not affect the user's credit information. First of all, installment repayment itself does not affect personal credit. Secondly, although the flower garden has been connected to the credit information system, there is no relevant regulation that the normal use of the flower garden by stages will also be included in the credit information, so the repayment by stages will not affect the credit information as long as it is repaid within the specified time.

The overdue installment repayment of Huayuan will affect personal credit information: Huayuan said that under the guidance of the credit information management department of the central bank, Huayuan is gradually promoting access to the basic database of financial credit information (the central bank credit information system), and the future credit information service will gradually cover all users. In other words, your flower bud staging record will also be uploaded to the credit information system. If your installment payment is overdue, you will have a bad credit record, which will have a negative impact on your personal credit information.

Why not recommend frequent use of flowers by stages?

Flower Garden itself is a credit service, and users can apply for a quota only according to their personal credit. Although the flower bud is very convenient to use, I don't recommend users to use the flower bud staging function frequently. If you frequently installment, Sesame System may think that your repayment ability is not good, which will reduce your consumption quota. At the same time, some users will even be directly blocked by Alipay, which will lead to problems in your capital chain.

What is the reason why ants can't be staged? It may be because of these points that we can't perform.

As a payment platform of "consumption first, payment later", ant flower buds are deeply loved by people. Nowadays, many people pay with ant flowers when they spend money. But some people say that they want to use ant flowers in stages, but they can't. So, what is the reason why the ant flower bud can't be staged? I will answer your question today.

1. The installment amount has not been reached.

If ant flower buds are to be staged, the amount of staging should be above 10 yuan.

Second, sesame credit score is not enough.

If you want to use ant flower buds for staging, your sesame credit score must be above 600.

Third, the application time is wrong.

When using ant flower buds to buy goods by stages, it should be noted that you can't apply for staging immediately after the transaction is completed, but you can only apply for staging the next month after you confirm the receipt, that is, when you repay the flower buds. That is, you can only apply for flower staging from/kloc-0 to the 9th of next month.

Fourth, you can't apply for installment in full.

When applying for ant flower bud staging, you should pay attention to the fact that the staging amount cannot exceed 90% of your transaction amount, otherwise you can't apply for flower bud staging.

I have applied for stage performance.

When using ant flower beds in stages, it should be noted that ant flower beds can only be applied once a month, so if you have applied for flower beds in stages that month, you can't continue to apply.

The above is the reason why "the ant flower bud can't be staged". The answer. There are certain requirements for applying for ant flower beds by stages. If you find that you can't use ant flower beds by stages, you can see if it is because of the five reasons summarized above.

What is it that flowers can't be divided into stages?

If the flower bud can't be staged, it is probably for the following reasons:

1. The consumer's merchant didn't provide flower bud staging service.

2. At present, the available amount of the flower garden is insufficient, so it is impossible to pay for the goods (installment is also a one-time payment, but repayment can be made in installments).

3. The consumer's business has not opened the flower garden to collect money at all, so it is impossible to use the flower garden as a payment method.

4. The transaction amount of commodities has not reached the initial amount stipulated by the flower bud staging (for example, if you spend money on Taobao, the initial amount of flower bud staging is 600 yuan. If the payment amount is lower than that in 600 yuan, you can't use the flower garden installment).

5. The system detects risks in the current trading environment and restricts trading.

6. Spending money may be because the customer violated tx rules.

Risk operations such as credit card swiping, or bad behaviors such as frequently changing equipment login, frequently changing bank cards, and changing mobile phone numbers lead to increased account risks, so the system controls the account.

7. The recent overdue repayment has damaged personal credit and the Huayuan account has been frozen by the system.

1. How to prepay the flowers in installments?

If the installment flower buds need to be repaid in advance, the customer can find the installment bill on the Alipay flower buds page, select the transaction that needs to be settled in advance, and confirm the settlement. Flower buds support a single installment operation to pay off in advance.

However, it should be noted that the customer needs to pay the remaining unpaid principal, the installment fee paid, the installment fee for the next month (if the installment fee paid and the installment fee for the next month have been paid off in advance, it will not be charged) and pay off the installment fee in advance (if the installment is interest-free, it may not be necessary to pay off the installment fee in advance).

However, if there are many outstanding installments and the customer chooses to pay them off at the same time, the above expenses will be calculated cumulatively. Of course, if there is no outstanding installment payment when paying flowers in advance, then customers generally only need to pay the paid amount and unpaid amount this month. In short, when the customer operates the advance payment, it is good to repay according to the amount shown on the page.

Second, how to return the interest-free flower buds in installments?

After Bai Hua purchases the goods by installments without interest, the first installment bill will be paid at sunrise on the next billing day after the customer confirms the receipt, and the customer only needs to repay the goods on time before the repayment date (inclusive). Subsequent bills will be issued one after another, and customers will keep paying back on time to avoid overdue.

For example, suppose that the billing date of a customer's flower buds is 1 per month and the repayment date is 10 per month. He bought the goods with the price of 6000 in installments this month 15, chose to buy in six installments, and then confirmed the receipt on the 25th of this month, so the transaction will be recorded on the 25th, and then recorded in the journal on the 25th of next month.

As the customer chooses to pay in six installments, the first installment will be issued on 1 next month, and the remaining five installments will be issued in the next five months. And because it is interest-free, customers only need to pay back 1000 principal every month after paying the bill next month.

After paying off six bills in six months, the consumption amount will be fully recovered (with the customer paying back one by one, a part will be recovered in each period). Of course, customers can also choose to prepay, and there is generally no handling fee for prepayment in interest-free installments (subject to the page display).