1. The loan amount may increase. Because ant micro-loans used to provide loan services, after the service upgrade, other financial institutions will join, and the amount given will increase. If you have a good loan record in other financial institutions, the credit line in Bai Hua may increase after the service upgrade.

2. The loan interest rate may fall. Because different lending institutions have different risk control, some lending institutions are relatively loose, the credit line may increase, and the loan interest rate may decrease.

3. After Alipay upgraded the service of Huayuan, it can better evaluate the risk level of users, provide better services for users and give users more opportunities to increase the quota.

4. If the user agrees to upgrade, just click the button "Agree to the agreement and upgrade the service" to upgrade the service immediately, and then there will be a prompt that the upgrade service is complete. The service content and rights enjoyed by this upgrade will not be affected. At the same time, Bai Hua also has corresponding security services to ensure the security of account information and funds.

5. The service upgrade of the flower garden also updated the contract, and clarified the definitions of cash withdrawal, breach of contract and use of the flower garden. It can be said that after the upgrade, Ant Financial made some corresponding adjustments to this product.

Second, the disadvantages of the garden service upgrade:

1. After the service is upgraded, the usage of flower buds will be reported to the Credit Bureau. If it is overdue, it will have a great impact on our credit bureau and leave a bad credit record, which will hinder us from applying for loans in other lending institutions in the future.

2. If you have clicked on the service upgrade, you must repay the money on time after using the flower garden, and don't overdue it. Now you can choose the minimum repayment amount, and the repayment pressure is generally not great. You can use flowers reasonably within your own ability, and don't over-consume. Every month, the use of flower buds will be integrated and reported to the credit information system at one time. In the past, the overdue flowers will only affect the user's sesame credit score. After the service upgrade, overdue flowers will also affect users' credit information. Repayment needs to be more cautious and try to avoid overdue.

3. If you apply for a mortgage, some banks will ask the mortgage applicant to settle the small loan under his name in advance. People who often use flower beds will have a certain impact on applying for a mortgage. You can use the flower bed normally without upgrading the service. Users who do not have the upgrade service can postpone the upgrade.

In short, it is not mandatory to upgrade the flower garden service. If you don't want to upgrade, don't order. If it has been upgraded, use it reasonably, repay it on time, and don't leave overdue records on the credit report. Users who have upgraded their services can choose to close the flower garden if they are worried about affecting their credit information. If they don't want to close it, they should remember to pay back the money on time.