Refund to spend Bai quota. If the order is cancelled after payment, a refund will be made. If a refund is initiated before the receipt is confirmed, the returned money will be used to restore the consumption quota of the flower bud at that time, and this flower bud will not generate a bill, so there is no need to repay the flower bud. Back to the quota, the flowers have been paid off. At this time, the refund will return the balance; Back to Bai Hua's bill, after shopping in Bai Hua, confirm the receipt. This used amount has been transferred to the merchant by the system, so this amount has also become the bill amount that you should repay. However, if the rights protection return service is launched at this time, after the merchant agrees, this amount will not be returned to the available amount of the flower garden, but will be returned to the flower garden account.

1. Credit loan (formerly known as borrowing money) is a loan service launched by Ant Financial Services Group [1] relying on Alipay. According to different sesame scores, users can apply for different loan quotas. ? The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. When borrowing money, users can choose to lend money to Alipay account and bound savings bank card for personal consumption, decoration, travel and so on.

2.202 1, 1 1, the name of the loan has been changed to "credit loan", and it is clearly indicated that the service is provided by the bank. [

Credit loan is a loan service launched by Alipay, and the threshold for application is more than 600 points. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. 202 1 1 28, Ant borrowed the new online quota management function, and users can adjust the quota independently.

Three. Loan (3) In February1110, Alipay's loan was renamed as "credit loan", and it was clearly stated that the service was provided by the bank. Borrowing said that borrowing is gradually promoting brand isolation. Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.

4.20 18 1.9 According to the news of Shanghai TV, Alipay's small loan product "Ant Borrowing" voluntarily closed some user accounts because of its high leverage ratio, which violated the relevant regulatory regulations of the central bank to control the loan balance.

5. Borrowing and revolving loans have no influence. Borrowing revolving loan itself does not affect credit reporting, but the premise is that users repay on time every time and there has been no overdue repayment. Otherwise, it is likely to be reported to the credit report, leaving a stain record.