After the flower buds are overdue, if the user's household registration location happens to be the location of the flower bud cooperative collection agency, then it is possible to visit the household registration location. However, the user's household registration is far from the location of the collection agency that cooperates with Huayuan, and the collection personnel will not visit at home. The cost of door-to-door collection by collection personnel is relatively high. If there are no special circumstances, it is generally not allowed to collect it at home.

Huabai is a small and medium-sized consumer credit loan. Even if overdue, overdue debts are generally not high. Therefore, flowers are mainly collected by SMS and telephone. As for the door-to-door collection, it will only happen if the flower garden is overdue. Moreover, the user will pay off the overdue debt as soon as possible after the deadline, and the flower garden will no longer run for the user.

All in all, after the flower garden is overdue, as long as the user repays as soon as possible, there will be no greater negative impact in the future. The longer the overdue period, the greater the negative impact.