Are Alipay flowers and credit purchases used to collect information? Credit purchase is an independent payment channel, with flowers, which consumers can choose freely. The announcement of Huayuan also clearly stated that the interest-free period of credit purchase and Huayuan is the same, and Alipay Huayuan and credit purchase are conducting credit investigation.
As soon as the news of the brand isolation between Alipay and credit purchase 1 Flower Garden came out, the discussion among netizens was also very enthusiastic. Some netizens also believe that it is good to clearly mark the price according to the regulatory requirements, and it will be used clearly in the future. Some netizens also said that as long as the service experience and quota have not changed much and have no impact on themselves, they should still use it.
Some netizens are also asking, are flower beds and credit purchases collected at the meeting?
According to the announcement of flower buds, financial institutions providing services will report the credit information of flower buds and credit purchases respectively. As long as you maintain good usage habits and repayment habits, it will not have a negative impact on credit reporting.
Some netizens have opened the flower beds in succession, anxious to see if there is an upgrade, and the result has not been notified.
As far as I know, Bai Hua is gradually completing brand isolation in batches. Remind everyone here: if you haven't received the upgrade notice, don't worry, just wait for the information notice. Don't believe those online and telecom frauds in the name of "buying on credit" and "exchanging flowers". If in doubt, please consult the official channels.
Alipay flower shop and credit purchase? 2 What is credit purchase? What's the difference with flowers? According to Bai Hua's response, credit purchase service is a kind of consumer credit service which is fully funded and provided by banks and other financial institutions, and its credit line is determined by financial institutions. Bai Hua said that the credit purchase service is consistent with the interest-free period in Bai Hua and can only be used for consumption, not cash.
Related to the flower buds of 500 million people, the problem of brand isolation quickly rushed to the hot search. Judging from the hot search comments, there are both supporters "shouting good" and opponents "singing bad", and more attention is paid to the changes in their own quotas and the impact of credit reporting.
In fact, before the official announcement of the split, some netizens reported that the quota was reduced, from tens of thousands of yuan to several thousand yuan. In this regard, Huayuan said that after brand isolation, Huayuan will mainly meet the daily small and medium consumption needs of users. Users who need more quota requirements can apply through the "credit purchase" service.
How to define large amount and small amount? According to the flower garden, after the brand isolation, the flower garden quota of most users is less than 1 1,000 yuan. The credit line of "credit purchase" service is generally close to its original credit line. In addition, Bai Hua added that the rate of "credit purchase" service will remain stable. In the future, the rate of "credit purchase" service will be determined by financial institutions independently, and will also follow the principle of inclusiveness to benefit users as much as possible.
In addition to the changes in the quota, many netizens are also concerned about whether the split of flower beds will affect credit reporting. There is also an explanation for this. According to the Regulations on the Administration of Credit Information Industry, institutions providing credit services need to provide credit information to the credit information system in accordance with regulations. In other words, the follow-up flower buds will be submitted to the credit information system by Ant Financial, and the service of "credit purchase" will be submitted by financial institutions such as banks that provide services. Maintaining good use and repayment habits will not have a negative impact on credit records.
However, despite this, today's reporter in beijing business today noticed that after the big reform, many users still didn't pay the bill. Among them, some users complained that "my quota has inexplicably dropped to 1000, and I don't want to use it anyway". What's more, some users said that "it's no longer the flower garden, it's useless" and "it's better to use a credit card" ...
Jin Tian, a senior researcher at the Digital Economy Research Institute of Zhongnan University of Economics and Law, told the beijing business today reporter today that the split of flower buds has little impact on daily consumption and credit payment users, but it still has a great impact on users who have excessive consumption or cash loans such as investment and speculation. First, it may not be possible to obtain convenient borrowing channels (the risk control audit of banking products is usually stricter than that of Internet institutions); Second, the probability of borrowing cost after compulsory diversion to cash loan products is higher than that of consumer loans with scenes.
Judging from the user feedback of the first upgrade, the experience of Alipay and Huayuan in interest-free period, review and repayment has hardly changed.
From the point of view of quota, some users reported that the quota of Huayuan itself has decreased after the upgrade, but with the "credit purchase" quota, the total quota of the two is basically the same as the original quota of Huayuan. You can see the total amount on the homepage of Huabai | Credit Purchase, and you can also view the amount of Huabai and Credit Purchase separately.
When paying, credit purchase is an independent payment channel with Bai Hua, and you can choose freely. However, because the type of "credit purchase" is more sufficient, it will be recommended to use "credit purchase" when paying. However, this payment order can also be adjusted.
When repaying, you can directly summarize the total bill on the home page of Bai Hua | Credit Purchase, or you can repay separately in Bai Hua or Credit Purchase.
In addition, the notice of Huayuan clearly stated that the interest-free period of credit purchase and Huayuan is the same. If you use it that month and return it next month, you can continue to collect wool, with an interest-free period of 1 month.
Some users also found that the rates of installment payment and installment repayment, credit purchase and flower buds are the same. However, most people should repay on time and have not paid any service fees.
In addition, "credit purchase" provides consumer credit services just like flower buds, so it is also necessary to collect credit. However, as long as we maintain good usage habits and repayment habits, it will not have a negative impact on credit reporting.
Finally, the class representative should also remind everyone! Beware of scammers using this major upgrade to create new scams! Be wary of all so-called "customer service" who call you in the name of "opening credit purchase", "credit purchase affects credit investigation" and "increasing credit purchase quota", not to mention telling them any personal information or even transferring payment. They are probably liars!