But for many users, the ant flower garden is the existence of cancer. They are happy when they spend, and they can buy without money. But when it comes to paying back the money, it will hurt like hell. Finally, we can only tighten our belts and save money.
In fact, the nature of ant flower buds is the same as that of credit cards. Its advantage is that users without credit cards can also enjoy the pleasure of spending in advance. At the same time, ant flower buds also provide staging services. When you meet shopping festivals like Double 1 1 and 6 18, there will also be interest-free installment business, so it seems that the ant flower garden is still very humanized.
At the same time, the ant flower bud is also a very important criterion to evaluate your sesame credit score. As Ma Yun said, this is an era of credit. You can enjoy more services with credit, and Sesame Credit now provides users with many convenient services.
Therefore, the quality of a thing depends on how you define its nature. The emergence of ant flower buds is the product of the progress of the times, and there is absolutely no problem. However, if you think it's bad because you overeat the flower buds of Hu ants, then you must find the root of the problem. Is it your problem or the ant flower problem?
Ant Flower Bud is a consumer credit product under Ant Financial. If you want to open an ant flower garden, you only need more than 600 ant credit points, and you can get a spending quota ranging from 500 to 50000 yuan. Compared with the credit card application threshold, the application threshold for flower beds is relatively high, and the application threshold for flower beds is low. As long as you have a good credit record on Alipay, no matter who you are or what social status, you can open an ant flower garden for free.
So are flowers good or bad? A product is welcomed by everyone, and of course it has many advantages. Ant flower buds provide a lot of convenience for many groups who have no stable income but need to spend money, such as college students. Ant flower buds can not only repay automatically, but also pay in installments when you are short of funds, but you have to bear certain interest expenses.
In daily life, you can pay with the flower garden and put your own funds in the balance treasure to earn some interest. Why not? In addition, you can also enjoy various rights and preferential activities to increase your credit score.
Tiger Jun wants to say that flowers are not good or bad, it depends on how you use them. If used properly, it can still bring great convenience to our lives!
Chief Investment Officer Commentator Messi:
Ant flower bud is a consumer loan product and a product of Ma Dad Company.
Opening a flower garden is very simple and the threshold is very low. There are many young people and college students who use flower beds, but it is not easy to apply for a credit card because they don't have enough money to buy products.
So most people open flower beds. Opening a flower bed requires a sesame credit score of over 600. After the opening, the amount ranges from several hundred to tens of thousands, and the amount is set according to your usual use of Alipay. Raising the quota is also very simple. Often use Alipay to spend, and the amount will be automatically increased by the on-time repayment system.
Talking about the benefits of so many flowers, is this good? Some people think it is effective, but others think it is invalid. I am also using flowers at present. The advantage is that I can advance some funds to buy the products I need, and I can pay them off next month 10. If the amount of funds is relatively large, I can use staging. It is also more humane.
Daily consumption is convenient, but endless. I can't stop, there are already many friends around me who are not in use. It is no problem to use things that you have self-control over spending money. But it's even harder without self-control. Like this double eleven, I didn't mention it.
Personally, I think it is very useful to spend money, but it is sad to pay back the money every month.
Generally speaking, the advantages outweigh the disadvantages.
First, if you are an ordinary person, you don't invest or play finance. If you use flowers this month, you have enough money in your hand, and your money is in the bank or Yu 'ebao, then this money has been generating interest. In other words, although the interest is not much, your money has been increasing in value, and you have also bought what you want with the flower buds. As for you, you have outstanding debts every month.
Secondly, if you are a businessman, if you don't have cash on hand, but you want to buy something for the merchant today, then you can pay with a flower bud, which is harmless. After all, it is extremely important to pay with flowers and give you an interest-free buffer period of one month, especially for a business with a lack of funds, which solves the formalities of borrowing money from the bank for you. At the same time, it also avoids adverse effects (money, credit, word of mouth, etc. ) due to insufficient funds.
Third, if you play finance. If you have spare money to spend a month, why not use it?
So it is feasible to use flowers.
The flower bed is quite good. As long as you have the habit of using credit cards, it is no problem to open flower beds, and flower beds often have full or reduced red envelopes, which can save a lot of money.
Thank you for inviting me. I feel very good. I often use Alipay to settle accounts and remind you to pay back every month. But there is a premise, you must have the ability to repay, just like a bank card, you can overdraw. If you can't repay, you might as well run on a shoestring.
Advocating consumption and cultivating consumption concepts are not for you to spend casually. The reputation value is directly proportional to the flowers, and your spending power on Taobao and Tmall is inseparable.
With the convenience of flowers, you can't spend them casually, but you have to pay them back sooner or later, especially in the future honest society, there is no honesty.
If you don't have enough money, you can open a flower garden, solve the urgent need, and you can't become a moonlight family. You will become a loser on 10 every month. You should learn to manage money when it is convenient for consumption. Moderate consumption.
Flower buds are still good products, but they are also very poor products. Good or bad is considered from different aspects.
Huabai is a good product for users. Flower buds are credit consumption products in Alipay. Spend first, then pay. Repayment date monthly 10. The advantage of the flower garden is that it can solve the embarrassment of insufficient funds or shortage, such as buying expensive items, but it is impossible to raise funds at this time. Flower buds are a good product, which solves the problem of insufficient funds.
Flower buds can increase Alipay's income. On the one hand, the purpose of Huabai in Alipay is to serve users well, on the other hand, it is to increase income and make it a new profit growth point. Users use flower buds, and merchants need to pay Alipay. The flow ratio is 0.8%. For example, if you buy 100 yuan with a flower garden, Alipay can earn money from it in 0.8 yuan. If the user fails to return the flower buds on time, there will also be overdue fees.
However, because users refuse to repay after using the flower buds, it will also bring bad debts to Alipay, and Alipay will also control this ratio within a reasonable range. In short, Alipay earns more profits from flower buds than losses caused by bad debts, which can increase profits for Alipay.
Flower buds are not good for users. Because of the existence of flower buds, users' consumption is constantly stimulated and consumption increases, so users' expenses will increase and they don't want to spend money. As a result, they spend more because of the existence of flower buds, and they need to pay back the arrears of flower buds on time every month. They want to save some money, but they can't This is a bad place for users.
Cai Xiao's full name is ant flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower flower. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".
According to statistics, 33% of users in Bai Hua are post-90s, 48.5% are post-80s, and 14.3% are post-70s. It can be seen that compared with other payment methods, Ant Flower Shop attracts more new generation consumers.
For young users, the attraction of ant flower beds is that they can be purchased by credit line, and the longest interest-free period can reach 4 1 day. Among the users of ant flower beds, hipsters and foodies have become the main force. The data shows that among the goods purchased by ant flower buds, women's fashion products such as women's wear, accessories, beauty and skin care, handbags and women's shoes account for more than 20%; Snacks, specialties, drinks and other foods ranked second with 10%; Followed by digital, maternal and child supplies.
Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.
The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.
On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.