Huabai provides you with financial services, with low processing conditions and high credit line, which can be reused and help many small partners solve their daily consumption problems. Whether the flower garden loan will cause harm to the credit information depends on the specific situation. Nowadays, the flower buds of some small partners have been fully docked for credit information. Even if it is not overdue, every spending record on weekdays is a credit message at the meeting. Although there is no serious overdue harm, the more you use it, the more information you have on your credit, and your qualification will inevitably decline.
The current flower buds, whether docked or not, will not review your credit qualification in terms of opening and use. To put it simply, even if there are overdue stains on the credit information and the qualifications are not good, as long as the sesame credit score is above 600 and there are no other problems, the flower garden can be opened for normal use. It is precisely because the flower garden does not refer to the credit report that it will be so hot. However, there is one exception. If loans overdue's repayment leads to overdue credit reporting, the use of the account will undoubtedly be hurt. The risk control in Alipay is still very strict. As long as users have illegal operations, it is very easy to touch the red line of risk control, which will endanger the normal use of loans.
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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 will 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. [2] On May 65438, 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.
Previously, Huayuan proposed to collect credit information at the meeting, but for some users, it is necessary to collect all credit information now. But it is not mandatory. Only those who agree to upgrade the flower shop service will receive credit information.
Because the agreement authorizes the basic financial credit database to query/submit the information about the service upgrade of Huabai, it means that the usage of Huabai will be reported to the Credit Information Center of the People's Bank of China, but there is only one credit information record on Huabai, and the consumption and repayment of Huabai will be continuously updated every month until Huabai is closed.
For those who don't want to go to the flower garden for credit investigation, don't agree that upgrading is a clear practice, so that if you don't upgrade the flower garden, you won't report the credit investigation and you won't find the loan record of the flower garden. However, it does not rule out the upgrade of flower beds in the future, and users are inevitable.
Can I skip the flower bud upgrade service?
At present, the flower garden upgrade service is not mandatory, so users are given the right to choose. There is a cross on the flower bud upgrade prompt. You can skip those who don't want to upgrade.
However, there are drawbacks to skipping the flower garden and upgrading the service. Now many users can't use flowers without upgrading. Although they can choose the flower garden as the payment method, they will always prompt the flower garden service to upgrade. If they don't upgrade, they can't use it. Therefore, we should carefully consider whether to upgrade.
Flowers suddenly can't be paid in large amounts!
It is normal for a flower garden to have a sufficient amount but not to pay in large amounts, which many people have encountered. Because of the insufficient exclusion limit, it may be that the transaction failed to pass the system audit. You should know that every trading system in Bai Hua will evaluate both sides of the transaction, and if the transaction is passed, it will be successful.
According to the regulations, the quota of flower beds can only be used for consumption. Some people will make false transactions in order to get the quota of flowers. Once the transaction is abnormal, the use of flower buds will be restricted; In addition, users have experienced risky operations, such as frequently changing mobile phone numbers and logging in devices, which are the keys to high spending.
In order to restore Huayuan's large payment, the system must be released from risk control. But it can only be re-evaluated by the system, and human intervention is impossible. Users need to gain the trust of the system and prove that this is a real transaction. They are using the flower buds and have not been stolen by others. If they don't know how to solve it, call customer service.
General customer service will provide some suggestions, such as letting users pay Alipay to save money, binding bank cards, interacting with friends, and using Alipay's functional services to improve account activity. You can try the operation and insist on paying in large amounts for several weeks. If you can, it means it has been restored.