The freezing of ant flower buds means that the flower bud quantity is displayed in gray, and the gray state is not available. The amount of flowers is frozen, which is generally caused by overdue flowers, overdue loans and overdue reserve funds. After the user pays off the overdue debts, the system will re-evaluate the flower buds and release the flower buds quota after the evaluation.
In addition, repayment as soon as possible after the flower buds are overdue is conducive to quickly releasing the frozen state of the flower buds. The longer the overdue period, the more unfavorable it is to unfreeze.
Huabai is a consumer credit product launched by Ant Financial from 2065438 to April 2005. After users apply for opening, they can get a spending 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". Ant Flower Garden Consumer Credit Asset-Backed Securities Project was listed and traded in Shanghai Stock Exchange on August 4, 20 16, becoming the first ABS of Internet consumer finance in Shanghai Stock Exchange.
After purchasing goods with Bai Hua, the repayment amount of last month can be phased from 1 to 10 every month, and the installment amount cannot exceed 90% of the repayment amount of last month (excluding overdue fees, installment fees and installment principal). There is only one opportunity to apply for installment repayment every month, which is irrevocable and unchangeable. Please confirm before making a choice. For example, the amount due last month was 10000 yuan, including the installment amount of 2000 yuan and the handling fee, so the maximum installment amount this time is 7200 yuan.
The rate corresponding to the number of optional periods and the number of installments is temporarily 2.5% for three periods; Phase 6 is 4.5%; 6.5% in the ninth period; 12 is 8.8%.
Flower buds also have a certain consumption. This quota is provided according to the records you have accumulated on the platform, because all your behaviors on the platform are dynamic, and the corresponding quota is also dynamic. When your behavior is good for a period of time and you meet the withdrawal policy, the corresponding amount may increase. On the contrary, quotas may be reduced, and even the right to use services may be restricted. If the ant flower garden is closed, it will also have this effect, and the quota may change or can't be opened again.
The flowers have been gone for several months, and they are still gray. What happened? What should we do?
If users violate the rules when using flower buds, it is easy to cause the products to turn gray. Some users inquired that the flower bud was still gray after several months. What shall we do? Then let's talk about related issues briefly.
First, the bud has been put back for several months, and it is still gray.
The reason why the flower garden turns gray shows that the user has taken risks, so it is controlled by the platform. There are many reasons. Common ones are illegal cash withdrawal and overdue repayment, but even if the overdue debt has been paid, whether it can return to normal or not will be decided after platform evaluation.
If the platform still thinks there is risk and is unwilling to grant credit, it means that the risk control cannot be lifted for the time being, not that it will be lifted if it is returned. The two are not absolutely related.
Second, what should I do?
You can't intervene manually, you need to wait patiently, and the system evaluation is carried out irregularly. After the evaluation is passed, the risk control will be released.
In the meantime, users are advised to maintain personal repayment behavior and other credit behaviors, and there will be no more risk problems. At the same time, you can further improve your qualification information, improve your ability to repay income, increase communication with the platform, spend more and participate in more activities, which are all helpful.
It says, "The flower buds will still be gray after a few months." What should I do? "I hope I can feel helpful after reading it. Generally speaking, flower bud risk control will not solve the problem immediately, and the specific recovery depends on system evaluation. Users just need to continue to maintain good credit behavior and wait patiently.
The buds have turned gray. How long will it take to recover?
If the flower bud turns gray, it means that your flower bud is restricted from trading and cannot be used. There are many reasons why flower buds are restricted from trading, and the recovery time depends on the reasons.
If it is caused by the overdue repayment of Huabai, the user needs to pay off the arrears and wait for the system evaluation, and the seal can be unsealed within 24 hours.
If there are violations, it cannot be unsealed in a short time. At this time, users can improve their credit records, use other credit services on Alipay platform more, and maintain a good utilization rate. The credit record will be gradually improved before the restrictions can be lifted.
Pay back the flowers on time every month. Why does it turn gray?
Probably because: 1. The overdue repayment of loans or reserve funds leads to bad information of credit records, and the sesame credit score drops, while the flower buds are associated with sesame credit, and some flower buds are also connected to the central bank's credit report. Therefore, if the loan or reserve fund is overdue and personal credit is damaged, it will indirectly affect the flower garden. 2. Always spending in the same merchant, and it is often a large amount of consumption, which causes the system to doubt tx.
Or tx
The existence of. You know, it is illegal to withdraw cash. 3. The flower garden has not been frozen, just because the customer's consumption exceeds the limit, so the flower garden can't be used for the time being; Or the consumer's business has not opened the flower collection function; Or the system detects that there is a risk in the transaction, thus limiting the transaction; Or input the wrong payment password continuously, resulting in Bai Hua account being temporarily locked. If it is the first reason, customers can only pay their debts quickly and then improve their credit; In the second case, customers who haven't mentioned it can provide the latest transaction details to Alipay customer service. After verification, the garden should be able to resume use. As for the third party, there is nothing wrong with the garden itself. It is suggested to change the payment method first. Extended information: flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers. Flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers, flowers Flower bud flower bud flower bud flower bud flower bud flower bud flower bud flower bud flower bud flower bud 20 16 On August 4th, the Ant Flower bud consumer credit asset-backed securities project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance in 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. On September 22nd, 20021year, it was reported that the flower garden had been connected to the central bank's credit information system, and if the user refused to access it, it would not be available. The amount of ant flower buds is rewarded according to the consumption and repayment behavior accumulated by 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 may be increased. The ant garden cannot be opened or handed in by others. Please don't trust others and reveal personal information. On 20 18 10 18, Bai Hua officially launched the "quota management" function. Users can adjust their garden quota according to their actual needs.