Credit purchase by Postal Savings Bank is a credit consumption quota funded by Postal Savings Bank. Payment with flowers will give priority to credit purchase. If there is a quota, you can also choose to pay with flowers. Its experience period is 7 days. Through credit purchase, you can buy goods and try them out, and finally you can decide to buy or return them at the end of the 7-day experience period.

There are two kinds of consumer credit purchase: installment purchase. When consumers buy goods, they usually pay part of the payment in cash first, and then pay the rest in installments according to the contract. Installment shopping has three important components, namely, cash payment in advance, installment payment and interest payment. Non-installment purchase When consumers buy goods, they generally don't pay cash immediately, but take the way of accounting and pay the purchase price in one lump sum according to the expiration of the contract. Non-installment purchase method has two important components, namely accounting period and interest expense. Generally speaking, installment purchase is mainly suitable for the sale of durable consumer goods, while non-installment purchase is mainly suitable for the sale of continuously used consumer goods. Commercial credit purchase refers to the purchase of goods from sales enterprises by purchasing enterprises by virtue of credit relationship. General purchasing enterprises don't pay cash when they get the goods, but pay for the goods by cash or transfer after the contract expires. There are generally two kinds of commercial credit purchases: credit on account. Bill credit.

Bookkeeping credit is a non-standard commercial credit purchase method, while bill credit purchase is the opposite. Whether it is consumer credit purchase or commercial credit purchase, its essence is that the seller of goods provides credit to the buyer of goods in kind. In this credit relationship, the seller of goods is the creditor and the buyer of goods is the debtor. Financial credit transaction is a transaction mode in the securities circulation market. The buyer of securities pays part of the securities price in advance, that is, the deposit, and the rest is paid in advance by the broker. Because this kind of transaction is bought with the credit of the broker, it is called financial credit transaction. This kind of transaction is called "advance" transaction in America. This method is usually adopted when the securities purchaser wants to buy a certain number of certain stocks without sufficient monetary capital. Because under the financial credit transaction, the securities purchaser only pays part of the securities price, and most of the price is paid in advance by the brokerage firm, the securities mortgage right of the transaction belongs to the brokerage firm before the securities purchaser returns the advance payment.

How to inquire about the credit purchase of Alipay refund to Postal Savings Bank?

In the Alipay interface, click the message notification bar in the middle.

Click "Payment Assistant" in the upper left corner to see your recent bill transaction, and click "Refund Inquiry" below to quickly see all your refund orders.

Credit purchase is a service that can enjoy the rights of "use first and pay later". Its experience period is seven days. Through credit purchase, users can buy goods and try them out, and finally they can decide to buy or return them at the end of the seven-day experience period.

What is Alipay credit purchase?

What is Alipay credit purchase?

What is the credit purchase of Alipay? You can enjoy an interest-free period on credit like Bai Hua. After brand isolation, flower buds are submitted to the credit information system by ants, and credit purchases are submitted by financial institutions such as banks that provide services. What is the Alipay credit purchase?

What happened to Alipay credit purchase? 1

What is credit purchase? What's the difference with flowers? According to Bai Hua's response, the "credit purchase" service is a kind of consumer credit service which is fully funded and independently provided by banks and other financial institutions, and its credit line is determined by financial institutions. Bai Hua said that the "credit purchase" service is consistent with the interest-free period in Bai Hua and can only be used for consumption, not cash.

Huayuan's announcement shows that in order to ensure the user experience, after the brand isolation, Huayuan and the "credit purchase" service are consistent in the core experiences such as interest-free period, review and repayment. Users can adjust the payment order and "credit purchase" service of flower buds according to their own preferences. It is understood that some users' flower beds have been updated to "flower beds" and "credit purchase" services, and this work will gradually cover more users in batches in the future.

Talking about brand isolation in Bai Hua, Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance, China Academy of Social Sciences, said that the consumer credit products independently operated by Bai Hua and other financial institutions would be effectively isolated and distinguished through brand isolation measures. This will help users fully understand the information of service providers, avoid brand confusion and better meet the regulatory requirements of consumer credit.

In fact, flower bud separation and flower bud borrowing are in the same strain. In addition to brand differentiation, Su, a senior analyst at Analysys, added, "The brand isolation of Huayuan is also the embodiment of all kinds of credit payment products accessing the central bank's credit information system, fully guaranteeing financial consumers' right to know. When users upgrade their flower buds, they authorize licensed financial institutions to inquire and submit their own credit information, and the final result will be reflected in the user's credit report. For Huayuan, this setting can improve its compliance and better clarify its rights and responsibilities with its partners. "

What happened to Alipay credit purchase? chapter two

At present, some users' flower beds have been updated to "flower beds" and "credit purchase", and this update will gradually cover more users in batches in the future.

It is understood that after brand isolation, most users spend less than 1 1,000 yuan. The credit line of credit purchase service is generally close to its original flower shop line. Bai Hua said that after brand isolation, Bai Hua will mainly meet the daily small and medium consumption needs of users. Credit purchase service is a kind of consumer credit service that is fully funded by banks and other financial institutions and independently approves credit granting, which can meet the more quota requirements of some users.

The announcement also shows that in order to ensure the user experience, after the brand isolation, the flower garden and the credit purchase service are consistent in the core experiences such as interest-free period, review and repayment. Users can adjust the payment order of flower buds and credit purchases according to their own preferences. Because the credit purchase amount is more sufficient, in order to ensure the user experience, users are advised to give priority to credit purchase. Users can also choose the payment order according to their own consumption preferences, and if they don't need it, they can also turn off the credit purchase.

Like flowers, you can enjoy an interest-free period on credit. For installment payment, repayment and other rates outside the interest-free period, the Bai Hua announcement shows that the credit purchase rate will remain stable. In the future, the rate of credit purchase will be determined by financial institutions independently, and will also follow the principle of inclusiveness to benefit users as much as possible.

Previously, Ant Flower Garden has completed the docking with the central bank's credit information system, and credit purchase is no exception.

After brand isolation, flower buds are submitted to the credit information system by ants, and credit purchases are submitted by financial institutions such as banks that provide services. Users maintain good usage habits and repayment habits, which will not have a negative impact on credit records.

Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance, China Academy of Social Sciences, said that through brand isolation measures, Bai Hua has effectively isolated and distinguished itself from consumer credit products independently operated by other financial institutions. This will help users fully understand the information of service providers, avoid brand confusion and better meet the regulatory requirements of consumer credit.

What is Alipay Credit Purchase? chapter three

How to operate "credit purchase"

From my experience, after brand isolation, credit purchase and flower shop are basically the same in the core experience of interest-free period, audit and repayment. I'll teach you the specific operation method-

First of all, the amount that everyone is most concerned about. You can check your total amount on Bai Hua | Credit Purchase Home Page. Click on the flowering page and the credit purchase page respectively, and you can see the amount provided by each.

There is a "math class representative" to calculate, and the sum of the two places of flowers and credit purchase is almost the same as the original place, which has no influence.

When making payment, credit purchase and flower shop are independent payment channels. You can choose what you want. However, because the type of "credit purchase" is more sufficient, it will be recommended to use "credit purchase" when paying. If you want to change it, you can also adjust the priority in "Flower Bud-My-Consumption Preference-Flower Bud | Credit Purchase Priority Payment-Setting Order".

Some netizens found that some orders also support flower bed combination payment and credit purchase, and there is no need to worry about insufficient quota when encountering large orders.

The repayment method has not changed. You can directly summarize the repayment from the total bill on the home page of Bai Hua | Credit Purchase, or you can enter Bai Hua alone or make repayment on credit.

Bai Hua's original automatic repayment, repayment alarm clock, call reminder and other functions can also be used through credit purchase.

The interest-free period of credit purchase and flower buds is still the same. If you use it that month and return it next month, you can continue to harvest wool, with an interest-free period of 1 month.

Netizens also found that in terms of installment payment and installment repayment, the rates of credit purchase and flower buds are the same. However, most netizens should repay on time without paying any service fees.

What is Alipay Credit Purchase? chapter four

What is Alipay Credit Purchase?

1. Credit purchase is a member right of Alipay. Sesame score above 650 points, you can enjoy the service of "0 yuan orders, 7 days experience".

2. If you are dissatisfied with the goods during the experience period, you can return them at any time as long as it does not affect the secondary sales, and you don't have to bear the freight, and you don't spend a penny in the whole process; Pay when you are satisfied. Even if you forget to pay, Alipay will automatically deduct money during the experience, so don't worry about affecting your personal credit.

Where can I buy the credit of Alipay Postal Savings Bank?

Buy at Sesame Credit.

The specific steps are as follows:

1. Click Alipay to open the phone, and click "Sesame Credit" on the personal page.

2. Then click "Credit Purchase" on the Sesame Credit page.

3. Select the goods to be purchased, and click to open the detailed page.

4. Then click "Buy Now" in the lower right corner of the page.

5. Click "Agree to the Agreement" at the bottom of the page to open the credit purchase immediately.

What is credit purchase?

Credit purchase is a new service launched by Alipay that can enjoy the rights of "use first and pay later". Its experience period is 7 days. Through credit purchase, you can buy goods and try them out, and finally you can decide to buy or return them at the end of the 7-day experience period.

Credit purchase has covered Tmall, including nearly 50,000 kinds of products such as 3c digital products, mobile phones, musical instruments, automobiles, home appliances, beauty cosmetics, clothing and home furnishings. Only users with sesame score above 650 can open it. Search for "Tmall Credit Purchase" in Taobao and enter the product page. You can choose goods and choose to buy on credit.

Extended data:

First, how to open Taobao credit purchase?

Opening a credit purchase is very simple. You only need sesame credit score above 650 points, then open Taobao to search for "Tmall Credit Purchase", click on a product casually, and you can see the sign of credit purchase, then click on the credit purchase icon directly, and you can directly enter the credit purchase opening page and agree that the agreement will be opened immediately.

Second, the difference between flowers and credit?

1. According to the official announcement of flower buds, in order to implement the regulatory requirements related to consumer credit and fully protect consumers' rights and interests, flower buds have started the work of "brand isolation", and some users' flower buds have been updated to flower buds and "credit purchase".

2. In the past, the flower garden service was provided by other financial institutions such as Ant Group and banks. In June this year, the China Banking Regulatory Commission said that in the future, Bai Hua Heyue will become the exclusive brand of Ant Consumer Finance Company, and consumer credit provided by other financial institutions can no longer be labeled as Bai Hua Heyue to avoid brand confusion.

3 "credit purchase" service refers to consumer credit provided by other financial institutions. The "XX Bank Credit Purchase" you see indicates the specific service provider. Flower Garden still exists, as the exclusive product of Ant Consumer Finance Company, focusing on small and medium-sized consumer demand.

Third, how to use "credit purchase"?

1, "credit purchase" and "flower shop" have little change in the experience of interest-free period, review and repayment.

2. From the point of view of the quota, some users reported that the quota of Huayuan itself has declined after the upgrade, but with the "credit purchase" quota, the total quota of the two is basically the same as the original quota of Huayuan. You can see the total amount on the homepage of Huabai | Credit Purchase, and you can also view the amount of Huabai and Credit Purchase separately.

3. When making payment, credit purchase is an independent payment channel from Bai Hua, and you can choose freely. However, due to the more abundant types of credit purchase, credit purchase will be preferred when paying. However, this payment order can also be adjusted.

4. Repayment can be directly summarized in the general bill on the home page of Bai Hua | Credit Purchase, or can be made separately in Bai Hua or Credit Purchase.

5. The announcement of Huayuan also made it clear that the interest-free period of credit purchase and Huayuan is the same. If you use it that month and return it next month, there may be an interest-free period of 1 month.

6. "Buying on credit" provides consumer credit services like flower shops, so it also needs credit reporting. However, as long as we maintain good habits of use and repayment, it will not have a negative impact on credit reporting.

What does the Postal Savings Bank mean by credit purchase?

Simply put, your bank card has enabled online banking, and most people use online banking for online payment.

Account information query: customers can query their account information, such as card/passbook balance, historical details, today's details and online shopping details, and download historical details.

Card account transfer: customers can transfer funds between their own RMB card accounts and transfer funds to peony credit cards, smart cards, credit cards or comprehensive account cards of others in the same city.

Bank-securities transfer: customers can transfer funds between their bank savings accounts or credit card accounts and their fund accounts in securities companies, and can check the real-time balance of their fund accounts in securities companies.

Fund business: customers can conduct fund purchase, subscription, redemption and other transactions online and inquire about fund information.

Foreign exchange transactions: customers can buy and sell foreign exchange transactions, cancel orders and inquire about relevant foreign exchange transaction information online in real time according to the exchange rate information provided by banks.

B2C online payment: When customers shop on the special website of Industrial and Commercial Bank of China, they can pay the goods online in real time and get relevant payment information from the bank.

Remittance from Different Places: Customers can make online payments to units and individuals who have opened accounts in ICBC anywhere in China.

Tuition payment: customers can pay tuition, accommodation and other fees online to schools that have signed agreements with ICBC all over the country.

Electronic card: A special card for online BTC transactions, where customers can apply online and choose their own background patterns. You can't overdraw, but you can set a maximum limit to improve the security of online transactions.

Payment station: At present, it is only piloted in Beijing and provides various services. Customers can sign a payment agreement online, automatically deduct money every month, or log in to online banking to pay by themselves every month.

Personal self-registration: customers who hold ICBC Peony Credit Card, Smart Card and Credit Card can self-register online to become ICBC online banking customers, and have all other services except external transfer and personal remittance immediately.

Treasury bond business: individual treasury bond investment customers can conduct real-time book-entry treasury bond transactions online, and can enjoy services such as inquiring transaction details, bond prices and bond market information.

Peony card online card processing and card replacement application: customers can submit online card processing or card replacement application and obtain the application results online.

WAP Mobile Banking: Customers can obtain online banking services through their mobile phones.

Personal mortgage loan: individual customers can submit mortgage loan applications online and get the applied loans in real time.

Personal financial management: customers can get online booking service, inquire about financial agreements, and use financial calculator to calculate financial management.

customer service

Customers can modify login password, customize homepage, modify credit card information and modify online banking customer information online.

Loss reporting account: When a customer's credit card, smart card or credit card is lost or stolen, it can be reported online locally.