1. Credit record is damaged: overdue repayment will affect personal credit record, which may make it difficult to apply for financial services such as loans and credit cards in the future.
2. Increase in expenses: Overdue repayment of flower buds will result in late payment fees and penalty interest, and these extra expenses will increase the original repayment amount.
3. Collection action: Alipay can collect arrears by telephone, SMS, email, etc. If I can't contact you for a long time or reach a repayment agreement, I may take further legal measures to recover.
To sum up, if Bai Hua owes 500 yuan money for half a year, it will have a negative impact on personal credit records, and may face late fees, penalty interest and collection actions.
Extended data:
Flower Garden is a consumer credit product under Alipay, and users can get a certain amount of consumption installment or credit loan through flower garden. However, overdue repayment will bring adverse consequences. Users are advised to repay on time and maintain a good credit record.
Supplementary information:
Assume that the user is a citizen of China, and there is no other repayment behavior during this period.