If the flowers are overdue, it will definitely lead to poor personal credit information and have a great impact on personal loans, so it really doesn't matter if you don't report credit information. The main thing is that you don't have to promise not to default and overdue ant flowers.

Not every user who uses flower buds will receive credit information, but what is certain is that if he is overdue or in arrears for a long time, he will receive personal credit information, and the consequences may be more serious than the previous credit information.

Alipay will take some compulsory measures to punish. In addition to interest, the penalty will also force the closure of the flower garden service and the functions of the user's Alipay account.

Extended data:

Credit loan line

According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.

The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase.

Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.

On 20 18 10 18, Bai Hua officially launched the "quota management" function, and users can adjust the quota independently according to actual needs.

References:

Baidu Encyclopedia-Bai Hua

References:

Baidu Encyclopedia-Personal Credit Survey