No, it's illegal. And no matter how much money is paid, it will be paid back in the end. If the repayment is overdue, in addition to paying five thousandths of overdue interest every day, you will also bear the credit risk. The consumption behavior of "Huabai" is closely related to the credit data of consumers. If Alipay finds that it uses "flower buds" to withdraw cash frequently, it may reduce the sesame credit score and seriously affect the personal credit record.

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.

Bank card fraud is high:

In recent years, China's bank card fraud and money laundering are on the rise. According to experts' conservative calculation, the losses caused by bank card fraud exceed10 billion every year.

This data has aroused social concern about the crime of abusing bank cards. China UnionPay and other card issuers and related experts said in an interview that various measures have been taken to strengthen supervision and comprehensive management.

Yan Lixin, secretary general of China Anti-Money Laundering Research Center of Fudan University, told reporters that bank card fraud is universal, especially in economically developed coastal areas such as Guangdong, Fujian, Shandong, Shanghai, Jiangsu and Tianjin. And it is highly correlated with areas with high crime rates such as drugs and fraud, such as Guangdong, Guangxi, Yunnan, Hubei, Sichuan, Heilongjiang and Inner Mongolia.

From the perspective of paths and methods, bank card fraud includes: "cashing out" others with their own credit cards and repaying them within the specified time; Credit card holders collude with merchants to collect cash in the name of credit card consumption.

After the merchant swipes the card, after deducting the agreed handling fee (or commission, management fee, interest, etc.), the corresponding amount of funds will be returned to the cardholder. , often slightly lower than the bank), so as to realize the purpose of realizing funds; Merchants use one or more POS machines applied for to help others withdraw cash from the card in the form of false transactions, and charge a certain percentage of handling fees for profit.

Reference to the above content: People's Daily Online-Can a third-party payment push personal POS business to cash out at will? 2