1. Flower Garden, whose full name is Ant Flower Garden, is a consumer credit product launched by Ant Financial. After the application is opened, you can 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". 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.
2. According to the comprehensive consideration of consumers' online shopping, payment habits, credit risks, etc., 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.
3.“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and random installment". In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. If it is not installment payment, JD.COM IOUs can postpone payment for 30 days without generating interest rate. The installment service can be divided into three periods, six periods, 12 period and 24 periods. The rate standard is 0.5%- 1.2%, and the penalty rate is 0.05%/ day.
Operating environment: Huawei nova 6(5G) and HarmonyOS system 2.0.0.