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".

Ant flower buds support multi-scene shopping. Previously, the main application scenarios were Taobao and Tmall, and most merchants in Taobao and Tmall can use it to pay.

Ant Flower Garden has stepped out of Ali's e-commerce platform and * * * has access to more than 40 external consumption platforms: most e-commerce shopping platforms, such as Amazon and Suning; Local life service websites, such as word of mouth, Meituan, and public comments; Mainstream 3C official shopping malls, such as official shopping malls such as LeTV, Haier, Xiaomi and OPPO; There are also some overseas shopping websites.

Credit loan line

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.

On 20 18 10 18, Bai Hua officially launched the "quota management" function, and users can adjust the quota independently according to actual needs.

Repayment method

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.

The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.