I have a friend who has a strong personality, often shops and buys more electronic products, so his spending quota is relatively high, which is 2 10000. He always uses flower buds today and must return them within three days, otherwise he always feels that he owes something. So one day, after he returned all the buds, his buds were sealed by the old horse. Why? Because the old horse thinks that such people are not short of money and there is no need to overdraw. It is better to overdraw people in need.
So when we use or borrow flowers, we need to pay attention to several details. If we make good use of these details, we can not only promote sesame seeds, but also increase the quota.
1. Don't always repay the loan in advance, and pay it back within three days, preferably the last day or two.
2. Occasionally staging flowers will help you ease the financial pressure and generate interest. At the same time, the old horse will think that you have money to earn, which will further increase your quota.
3. Don't pay off the flowers in full when you return them or borrow them. If you were overdue before, it seemed fine at that time, but when you paid off the flowers or borrowed in full, it is very likely that these two services will be closed. If you still go in, lend it out or spend it, then your flower beds and borrowing beds are basically not closed, which is very beneficial for you to increase the quota.
4. When you can borrow or borrow flowers, you often use them. After all, it is so convenient. If you don't use them for a long time, your flowers and flowers will be closed. After all, the old horse gave you this opportunity for you to use, not for you to be idle.
Of course, punctuality is no problem. Don't spend money for nothing. You have taken up the time value of money for free. Why not?
The billing date in Bai Hua is 1 day per month, and the repayment date is about1day per month. Consumption from the second day after the bill date will not be repaid until the repayment date of next month, and there is an interest-free period of about 40 days. If you spend 20,000 yuan on the day after the bill date and repay it on time, you can take this 20,000 yuan for 40 days for free, if you have 20,000 yuan. So, of course, punctuality is better.
You can deposit the money you want to pay back in Yu 'ebao and set up automatic repayment when it expires.
Whether you return the flowers on time or in advance, it is not overtime, and it will not affect your personal credit and sesame credit score, so you can return them later, of course, not later than the repayment date.
This is the same as using a credit card, which has a longer interest-free period than Baihua. Credit cards have an interest-free period of about 50 days from the second day after the bill date to the next month's repayment date, which can be returned after the deadline to maximize the interest-free period. But don't be overdue, because overdue will affect personal credit, and personal credit will affect your future loans and other things that need credit.
To sum up, anything that can take up money for free should take up as long as possible, because money has time value. So of course the flowers are on time, and there is no need to return them in advance.
Huabai is a credit card-like business launched by Alipay. It must be repaid every month, otherwise its credit score will be reduced, the credit limit will be reduced, and it will even be included in the credit blacklist.
Many people just spend a short time on flowers. So, what are the skills to repay the flowers?
The billing date in Bai Hua is 1 every month, the repayment date is the 9th of every month or 10, and the interest-free time is about 4 1 day from the previous billing date to the current repayment date.
So it is the most cost-effective to spend flowers at the beginning of each month, because the interest-free period is long. If you use the interest-free period at the end of the month, there are only a few days left.
The normal repayment of Huabai is on the 9th of each month or 10 (different people are different, mine is 10). Generally, by default, Yu 'ebao will automatically repay, so the advantage of using the flower garden is that the money will raise interest in Yu 'ebao, and it will automatically repay when it expires, so you can earn a little interest by using the interest-free period.
The premise of this is that there must be enough funds in your Yu 'ebao. If there is no money in it, you must repay it with a bank card, otherwise there will be credit problems.
Bai Hua supports installment or deferred repayment, but you have to pay the corresponding interest and handling fee, which is a bit uneconomical. Because the cost you pay is much higher than the bank interest and the yield of Yu 'ebao.
For example, the flower buds are divided into stages, for example, the handling fee for the three stages is 2.5%, and the handling fee for the 12 stage is 8.8%. The interest rate of deferred repayment is also between 8-24%. Unless absolutely necessary, try not to use this method.
If money is tight and you can't repay it on time, you can choose to repay it in installments or postpone it, but if you have money on hand, you can repay it immediately, because installment and postponement are calculated on a daily basis, which can reduce interest expenses.
Well, it's been a long time since I used flowers. What good experiences and practices can friends leave in the comment area, so that everyone can enjoy the internet financial dividend.
Welcome to pay attention to the mutual gold through train!
As long as Alipay flower buds have the same effect before the repayment date, there will be assistants to improve the sesame credit score and flower buds.
Now basically everyone has Alipay, and most of them have opened flower beds. It really brings convenience to our life. It's really great to spend first and pay later, and it's interest-free for 40 days.
However, some people are struggling with prepayment. Is it not due yet? Let me analyze it.