Repayment can be made before 24 o'clock on the date of account repayment at the latest. The repayment date of Bai Hua is generally 8th, 9th or 10, depending on the page display.
On the repayment date, Bai Hua will receive a short message to remind users to repay. At the same time, in order to avoid overdue, the system will also initiate automatic deduction through account balance, balance treasure or savings card when the account funds are sufficient.
Query the flower bud consumption bill path:
1, log in to Alipay-click on my-flower bud in the lower right corner;
2. Check my bill;
3. Click on X Month to view the details of flower buds consumption one by one.
Bai Hua's repayment date is 8th. Can I return it before 24:00 on the 8th?
Of course.
The 9th of each month is the repayment date of Bai Hua, and the repayment can be made before 24: 00 on the 8th. 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, Yu 'ebao (the function of Yu 'ebao needs to be enabled) and debit card express payment (including cartoons) to pay the outstanding bills. You can also take the initiative to repay. To avoid late payment, please ensure that Alipay account is sufficient. If it is overdue, 0.05% late fee will be charged every day.
Extended data:
Based on the comprehensive consideration of consumers' online shopping, payment habits and credit risk, Ant Huabao gives users a consumption quota of 50,000-50,000 through big data calculation and risk control model.
The amount of ant flower buds is allocated according to the cumulative consumption and repayment behavior of users on the platform. The user's behavior on the platform is dynamic, and the corresponding quota is also dynamic. When the user performs well in a period of time and meets the withdrawal policy, the corresponding amount can be increased. Ants can't paint, and they can't paint on behalf of others. Please don't trust others and don't disclose personal information.
20 18 10 18, the function of "quota management" was officially launched, and users can adjust the quota according to actual needs.
When is the latest time to send flowers back?
Repayment before 24: 00 on the repayment date in Bai Hua at the latest is a normal repayment time, and overdue will not affect your credit. If it exceeds 24 o'clock on the repayment date, it is overdue.
You can also wait for the system to automatically deduct money for repayment, and you can automatically repay as long as the balance of the day is sufficient, or you can voluntarily repay.
The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".
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.
By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.
202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.
Development course:
202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.
On September 22nd, 20021year, Securities Daily reported that a flower bud user said that he had received a prompt of "flower bud service upgrade", prompting the user to sign a power of attorney for personal credit information inquiry and submission, and agreed to authorize the inquiry/submission of relevant information to the basic database of financial credit information. Huayuan said that under the premise of user authorization, relevant information of Huayuan will be gradually incorporated into the credit information system. Maintaining good habits will not affect your credit history. According to the Power of Attorney, on the basis of obtaining the user's authorization, according to the source of the specific credit line obtained by the user, Chongqing Ant Consumer Finance Co., Ltd. or the bank providing the credit line will submit the user's credit information as the main body and incorporate it into the credit information system. It has been confirmed that if the user has any objection to the credit authorization, he can close the flower bud and terminate the authorization.
On 20211124th, Bai Hua announced the launch of brand isolation. In order to implement the regulatory requirements related to consumer credit, Bai Hua will become the exclusive consumer credit brand of Chongqing Ant Consumer Finance Co., Ltd., focusing on small and medium-sized loans. Consumer credit fully funded by banks and other financial institutions will be updated to "credit purchase" service. The interest-free period of "credit purchase" service is the same as that of flowers. It can only be used for consumption and cannot be cashed out.
On June 8th, 2022, 65438+ 10/kloc-0, Ant Group released the report "Ant 3 15" for 20021year, saying that in 20021year, Ant Group launched the special action "Ant 3/kloc"
When should I send flowers back that day?
Before 24 o'clock, Bai Hua must complete the repayment by 24 o'clock on the repayment date at the latest. Repayment before 24 o'clock on the repayment date is a normal repayment time and will not be considered overdue, which will not affect Sesame Credit.
Bai Hua supports automatic withholding and voluntary repayment on repayment date. Open Alipay APP, click "My"-"Flower Garden"-"Bill"-"Repay Now" in the lower right corner of the page, and then follow the page prompts to repay.
In addition, overdue repayment will generate interest and affect sesame credit. In order to avoid the delay of system deduction, it is recommended to take the initiative to repay before 24 o'clock.
Flower buds are automatically repaid, and the system will automatically repay them on the repayment date of each month. Users only need to ensure that they have enough funds to repay their balance, savings card, balance treasure (the balance treasure withholding function needs to be enabled) and other repayment channels.
Of course, if necessary, you can also repay in advance. Flowers can be repaid in advance. After confirming the payment, you can choose prepayment in Huabai-My Bill-Cumulative Bill for next month, and then follow the instructions on the page.
There are three common repayment methods for flower buds, full repayment, similar to credit card. Flower buds also have an interest-free period, usually 30 -40 days, depending on your bill. The amount spent this month will be repaid in full and on time before the repayment date of next month, and no interest and other fees will be charged.
The bill is repaid in installments, and the flower garden has the installment function, which can reduce the repayment pressure in the current period, but it needs to pay the handling fee.
There are two kinds of flower buds installment, one is flower buds installment, and the other is flower buds bill installment. The installment payment of flower buds refers to the direct choice of flower buds when paying, and the repayment is required on schedule after the account is received; Bai Hua bill installment refers to entering my bill page after consumption and performing bill installment operation.
Here is mainly about the installment of bills. The statement is repaid in installments. Users need to operate the bill issued in the current month in installments before the automatic deduction from the billing date to the repayment date every month, which can be divided into several periods, subject to the actual display on your page. The fees in different periods are different, and the specific fees are subject to the display on your page.
The minimum repayment amount, if the hand is really tight, can not be repaid in full on time, you can also choose the minimum repayment amount, but there is interest. It is understood that if Huayuan chooses the minimum repayment amount and fails to pay off all the money, the remaining outstanding principal will be calculated from the day after the due repayment date and recorded in the bill for next month.