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关于花呗,再不了解就晚了!

时间:2018.08.16 来源:http://www.weidaoshang.cn

商河网络公司随着时代的发展和社会的进步,人们对于消费的需求逐渐上升,有的甚至会超过自己当下的消费水平,这时,一些人会去选用支付宝上的蚂蚁花呗,用户在消费时,可以使用花呗的额度,享受“先消费,后付款”的购物体验。于是,越来越多的人开始接受花呗这项信用消费工具。
With the development of the times and the progress of society, people's demand for consumption has gradually increased, and some even exceed their current consumption level. At this point, some people will choose ants on Alipay. Users can spend the amount of flowers in their consumption and enjoy the shopping experience of "first consumption, then payment". As a result, more and more people begin to accept this credit consumption tool.
然而在使用的过程中,一些必备的相关知识往往容易被大家忽视,小编在这提醒大家,以下几点基础常识值得我们注意。
However, in the use of the process, some of the necessary relevant knowledge is often easy to be ignored by everyone, Xiaobian in this reminder, the following basic knowledge is worth our attention.
1.花呗能否提现?
1. flowers, can I mention cash?
花呗无法进行提现或转账,只能用于淘宝、天猫、部分外户商品和线下商品消费购物。此外,套现行为是违规操作,会影响用户的信用记录,且后期可能将无法再享受信贷服务。
Huaxiao can not carry out cash or transfer, can only be used for Taobao, Tianmao, some of the outdoor goods and offline consumer goods shopping. In addition, arbitrage is an illegal operation, will affect the user's credit record, and may not be able to enjoy credit services later.
2.花呗的消费额度是怎样核算的?
2. how to calculate the consumption quota of Hua Bai?
花呗额度是系统根据用户的账户消费情况,场景、信用及使用频次等多个维度,综合评估而定,评估结果越好,消费额度就越高。同时,花呗的消费额度还会根据用户的使用情况进行不定期地提升。
Spending quota is the system according to the user's account consumption, scenarios, credit and frequency of use and other dimensions, comprehensive evaluation and determine, the better the evaluation results, the higher the consumption quota. At the same time, the consumption quota of Hua Bai will also be upgraded periodically according to the user's usage.

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3.花呗的逾期费用是多少?

3. how much is the overdue fee for Hua Bai?
使用花呗,在最后还款日前还清账单无任何费用,但逾期还款会产生不良信用记录和每天万分之五的逾期费用,即逾期费用=逾期金额*0.05%*逾期天数。
There is no charge for paying the bill before the final repayment date, but late repayment will result in bad credit records and five-tenths of a day's overdue charges, i.e. overdue charges = overdue amount * 0.05% * overdue days.
如果临时资金周转紧张,可以使用花呗的账单分期功能,分期成功后,该账单将于次月偿还第一期,当月无需还款,从而减轻资金压力。
If temporary cash flow is tight, you can use the spent billing installment function. After the installment is successful, the bill will be repaid in the next month for the first period, and there is no repayment in that month, thus reducing the financial pressure.
4.使用花呗会产生费用吗?
4. does it cost to spend flowers?
用户在使用花呗时,按时还款是不收取任何费用的,但如果使用花呗分期或还款时选择账单分期还款,会产生相应的分期手续费,根据期数不同,费率也会不同。
Users do not charge any fees for payment on time when they use the flower stalk, but if they choose to pay the bill in installments or when they repay the money, they will incur corresponding installment fees, and the rates will vary according to the number of periods.
5.花呗的还款日是什么时候?
5. when is the repayment time of Hua Bai?
还款日通常是每月9号或10号,不同的用户还款日不同。使用花呗消费,在交易确认收货后(部分交易为付款后)的下个月1号出账单,在还款日当天24点前(9号或10号)还款即可。
Repayment days are usually 9 or 10 per month. Different user repayment days are different. The bill will be issued on the 1st of next month after the receipt of the transaction is confirmed (part of the transaction is paid), and the payment will be made before 24:00 on the day of repayment (No. 9 or No. 10). 

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