The opening and use of flower beds are determined by users' sesame seeds, which belongs to the third-party credit data, that is to say, the past behavior data of users will directly affect the opening and use of flower beds. If there is overdue in the process of using the flower buds before, or there is bad repayment behavior when using other sesame sub-loan products, it will have an indelible impact on the use of the flower buds. Huabai is authorized according to the borrower's comprehensive credit. If you have bad credit records such as overdue repayment or are suspected of untrue transactions, you are suspected of cashing out, even if there is a quota, you will be banned. This is one of the main reasons why there is a quota that cannot be used.
If the system shows that customers can't use flower beds for shopping, but there is a quota, it is probably because merchants don't support flower beds to pay, so even if flower beds have a quota, they can't pay. It is also possible that the page shows that although there is a quota, the actual quota is frozen and the customer can't use it for the time being. The reason why the flower garden was frozen is probably that the previous repayment was overdue, resulting in personal credit damage; It is also possible that the system suspects that the customer has cash withdrawal operation and the account risk is high. The system detected that there were risks such as suspected non-personal operation and suspected brush theft in the transaction, and restricted the transaction.
What is a flower?
Ant Flower Bud is a consumer credit product launched by Ant Financial. After the application is opened, you will 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 Garden is based on the comprehensive consideration of consumers' online shopping, payment habits and credit risk. And through big data calculation and risk control model, users are granted consumption quotas ranging from 500 to 50000. 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 also increase.