After Bai Hua has paid the minimum repayment amount of the current bill, the remaining unpaid amount can be paid at any time, as long as it does not exceed the repayment date of next month.

Because the rest after the minimum repayment amount of the flower garden is often directly included in the minimum repayment amount of the next bill, it must be paid off on time next month, otherwise it will be equivalent to the failure to repay the minimum repayment amount on the bill next month, which will also lead to overdue and personal credit damage.

It should be noted that although Huayuan bill also supports installment and deferred repayment, the rest of the minimum repayment amount is not within the scope of installment and deferred repayment.

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" According to the report, Bai Hua sent1.60 billion rational consumption reminders, and the average bill amount of users using this function decreased by 5%. Borrowing allows users to reduce their own quota. Using this function, the average loan balance of users decreased by 1 1.3%. The daily average risk warning of AI anti-fraud is 500,000 person-times.

Can I still make the minimum repayment after one day's overdue? Matters related to reimbursement to Bai Hua

Nowadays, flower beds are often used in people's lives, but because flower beds can be consumed first and then paid for, some people use them without restraint, and finally they can't pay off their debts. When it was overdue, some people were very worried and came to ask: Can the flower bed be returned at least one day overdue?

Can I still make the minimum repayment after one day's overdue?

There are two options for flower buds to repay: full repayment and minimum repayment, so even if your flower buds are overdue for one day, you can make the minimum repayment. However, it should be noted that although the minimum repayment amount can be repaid after the deadline, the rest will still generate interest.

Matters related to reimbursement to Bai Hua

1. If Bai Hua's repayment is to pay off all consumption funds in full when the repayment is due within the current billing cycle, then the subsequent credit card consumption can still enjoy the interest-free period without generating cyclic interest.

2. If the current flower garden bill is not paid off in full and on time, it will be regarded as using revolving credit, so all consumption in the current period will be charged with interest from the bookkeeping date, that is, the day after consumption, and the interest will be five ten thousandths of a day until it is paid off completely.

3. If Hua Bai borrows cash in advance, the cash borrowed in advance cannot enjoy the interest-free period, and the interest is calculated from the date of cash withdrawal, and the daily interest is compounded monthly until it is paid off.

The above is about "can I make the minimum repayment for one day overdue?" You can pay the minimum repayment amount for one day overdue, but the remaining interest will be calculated for you before it is paid. Please refer to the above for the repayment details of Huabai.

Can I still make the minimum repayment after one day's overdue?

There are two options for flower buds to repay: full repayment and minimum repayment, so even if your flower buds are overdue for one day, you can make the minimum repayment. However, it should be noted that although the minimum repayment amount can be repaid after the deadline, the rest will still generate interest.

Generally speaking, if the flower buds are overdue for less than 7 days, they can be used normally as long as the overdue debts are paid off. After the flower buds are overdue for 7 days, users will be temporarily unable to use them, and they can only resume normal use after paying off the overdue amount. And once the overdue consumption exceeds 30 days, it can never be used. In addition, the effect of delaying the bud for one day is:

First, there is a penalty interest.

Once the flowers are overdue, overdue interest will be paid, and the overdue interest will be collected on a daily basis at 0.05% of the outstanding amount in the current period. Until you pay it off.

Second, it affects sesame credit.

Overdue flowers will affect sesame credit. The reduction of sesame credit score will also limit our use of Alipay.

Third, follow-up loans and card processing were blocked.

If you spend a lot of money overdue, then you can't apply for any loans under Ant Financial in the future. Your loans elsewhere, as well as your cards, will be hindered. Fourth, bear legal responsibility.

If you don't pay back within the time limit, Bai Hua may sue you through legal channels, and if it is serious, he will bear legal responsibility.

Can I make the minimum repayment if the flowers are overdue? The impact on credit can be divided into these two situations!

Without trust, people can't stand up, and without trust, their career can't flourish. Do everything in good faith, especially in the credit industry, overdue repayment is a serious breach of contract. The direct measures for Alipay to treat overdue users are penalty interest and freezing quota. Of course, some users have forgotten to repay, so can the flowers be repaid at the minimum after they are overdue?

1. Can the minimum repayment be made after the flowers are overdue?

Yes, you can. The "minimum repayment amount" of Huabai is to provide services for those who are temporarily unable to repay. The principle is that the flower bill of the current month can be paid at least before the bill is paid next month.

Warm reminder: Once the bill is issued next month, the overdue bill no longer supports the minimum repayment amount and must be settled in full.

For example, Xiao Wang's monthly repayment date is 10. After paying the bill on 1, he forgot to pay the bill on 15, so he can repay the minimum repayment amount of Huabai at this time, and the remaining unpaid amount will be calculated on a daily basis. The accounting date for next month is February 1. After the bill is issued, the last month's overdue does not support the minimum and must be paid off in full.

It can be seen that the latest application date of the minimum repayment amount in Bai Hua is that the minimum repayment amount cannot be made for the overdue amount last month after the next bill.

Second, is the minimum repayment after the flower garden is overdue now?

1, Huayuan has a grace period, and the repayment is not overdue within 3 days;

2. The minimum repayment is not overdue;

3. If the repayment date is overdue and the minimum repayment amount is selected for the next bill, it will not be overdue after repayment, and the previous overdue will still affect the sesame score and leave a negative record.