According to official data, "Take Flowers" is an Internet small installment loan business launched by Qunar. You can get up to 30 thousand yuan, which can be used to buy train tickets, hotels, air tickets, where to travel and other products. Interest-free for up to 30 days, divided into three periods, six periods, nine periods and 12 periods.
At present, "walking flowers" has become the first choice for many users who go there. 20 17, 165438+ 10, in the "20 17" staged tourism report "released by the financial department of qunar. com, a post-90s girl used" flowers "to travel in stages, placing 95 orders a year.
According to the investigation by the reporter of Zinc Scale, after Ctrip merged with Qunar, Qunar did not release a separate financial report, but when purchasing international air tickets, domestic air tickets, booking hotels and train tickets, "taking flowers" usually defaults to the first payment method for order payment, and users cannot choose the fund provider.
However, on the most critical issue of credit investigation, apart from being in an inconspicuous position, Qunar.com has a question: "Will taking flowers affect my credit investigation report?" The partner who takes the flowers may inquire about your credit report when you open it. As long as you pay back the money on time and take the flowers in your credit report, it will not leave negative information and will not affect you.
In fact, Mr. He is not the only one who encountered the problem of using "taking flowers" for the last time. As early as 20 16, 1 1, the netizen @ 京京京京 posted that every time it is used, it is equivalent to a small loan to a financial company. Every time you go on a business trip for convenience, you use it. As a result, there are dozens of credit reports, and the train ticket is the lowest in 49 yuan, which has a great influence on your credit report.
"It is best not to use flowers. I bought a train ticket once. As a result, the credit information system showed that the so-called consumer finance company with flowers and flowers gave me a personal consumption loan of 5,000 yuan. After paying off, I still can't eliminate the credit record. " Another user also posted a complaint.
A lady Dai complained that when inquiring about credit information, she found that "Consumer Finance Now" had checked the credit information record. I don't know anything about this company. The company replied that Qunar.com entrusted them to inquire, but I only booked the air ticket hotel from Qunar.com, never applied for any loan, and never clicked to activate any quota. Ms. Dai said that Qunar.com and consumer finance companies were suspected of inquiring about customers' personal privacy without the authorization of customers.