Only the consumption of flowers is different from the cash withdrawal of flowers. Wei Pinhua can't withdraw cash, just like Bai Hua. Weipinhua is an online shopping service launched by Weipin Finance, which is similar to the familiar ant flower buds and white stripes, and is equivalent to a virtual credit card. Users can use it when shopping, but they need to repay it within the specified time. The only product that can withdraw money is a kind of micro-loan. It is a pure online personal credit loan product enjoyed by Shanghai Vipshop Co., Ltd. and major licensed financial institutions online.
Can I withdraw the only flower? What is the interest rate? Is it reliable? Is it similar to peer-to-peer lending?
Only parquet can be withdrawn, and the cash withdrawn from parquet will be directly distributed to the bank card bound by the user. Similar to peer-to-peer lending, the daily interest rate is five ten thousandths. Weipinhua is an online shopping service launched by Vipshop, which is a consumer credit product of Weipinhui. Users who successfully open the only product flower can use the given credit line to shop on the Vipshop website, and repay before the corresponding final repayment date after successful consumption.
Only flowers charge standard:
1, installment fee: refers to the user's use? Wei Pinhua must bear the installment service fee when he chooses to pay by installment after shopping. The calculation formula is as follows: the handling fee of each installment of the bill = the total amount of the installment of the bill × 0.5%;
2. Overdue interest: refers to the overdue amount that users should pay when they fail to pay all the due payables before the due repayment date. Overdue interest = unpaid amount × daily interest rate (five ten thousandths) × overdue days (from the last repayment date). For example, if 100 yuan is overdue for spending money in 500 yuan and repaying money in 400 yuan, the daily overdue interest is 100×0.05% = 0.05 yuan.
Extended data:
The loan amount, loan interest rate and loan term of Weipinhua are respectively:
1, the maximum loan amount is up to 50,000 yuan, and the specific amount is subject to the approval result;
2. The loan interest rate has been displayed on the home page of micro-product cash withdrawal. Please refer to the page display.
3、? The loan can be repaid in installments of 3/6/9/ 12 months.
Support the use of debit cards from ICBC, Bank of China, China Construction Bank, Bank of Communications, China Everbright Bank, Industrial Bank, Shanghai Pudong Development Bank, Ping An Bank, China Merchants Bank, China Guangfa Bank, Minsheng Bank and Agricultural Bank.
Can I return the only flower of Vipshop?
The specific withdrawal method is as follows:
1. Log in to the Vipshop account, enter my Vipshop, find the only wallet in my assets, and then withdraw cash. The official will process the member's card withdrawal application every working day, and send a text message to the registered mobile phone after the card is transferred, and the notice will be made by letter in the station;
2. If the unique product account is not bound with the withdrawal bank card, the website will prompt you to bind the bank card before operating the withdrawal application. Members can fill in the bank card information on this page and click "Confirm Submit";
3. Enter the page of the withdrawal center, fill in the withdrawal amount and payment password, and click "Confirm Submit" to complete the withdrawal application;
4. Query the cash withdrawal record, and "Transaction Record" will be displayed on the "Pinpin Wallet" page. Click the "Details" button to view the details of the cash withdrawal record. After the withdrawal is accepted, the corresponding money in the wallet will be temporarily frozen and the direct withdrawal processing will be completed.