It's not that college students can't use flower buds, nor is it forbidden to open flower buds to college students. Generally speaking, as long as they are 18 years old or above, Chinese mainland Alipay real-name authentication users, Alipay accounts are bound with mainland mobile phone numbers, their status is normal, and their personal credit is good (sesame credit score is above 600 points), they can apply for opening flower buds.

The system will comprehensively evaluate the user's account usage, personal information and credit status. And confirm that the standard will be successfully launched, and then provide the corresponding credit line according to the comprehensive credit rating of users.

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption 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".

As soon as the ant flower buds went online, they were strongly sought after by online shoppers. Statistics show that 33% of users in Bai Hua are post-90s, post-80s users account for 48.5%, and post-70s users account for 14.3%. It can be seen that compared with other payment methods, ant flower buds attract more new generation consumer groups.

For young users, the attraction of ant flower beds is that they can be purchased by credit line, and the longest interest-free period can reach 4 1 day. Among the users of ant flower beds, hipsters and foodies have become the main force. The data shows that among the goods purchased by ant flower buds, women's fashion products such as women's wear, accessories, beauty and skin care, handbags and women's shoes account for more than 20%; Snacks, specialties, drinks and other foods ranked second with 10%; Followed by digital, maternal and child supplies.

Huayuan said that under the premise of user authorization, relevant information of Huayuan will be gradually incorporated into the credit information system. Maintaining good habits will not affect your credit history. According to the Power of Attorney, on the basis of obtaining the user's authorization, according to the source of the specific credit line obtained by the user, Chongqing Ant Consumer Finance Co., Ltd. or the bank providing the credit line will submit the user's credit information as the main body and incorporate it into the credit information system. It has been confirmed that if the user has any objection to the credit authorization, he can close the flower bud and terminate the authorization.

According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.

The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase. Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.