The flowers are just a credit-lending product launched under the Ali Baba flag, which provides users with a credit line that can be used for online consumption and credit breaks. When flowers are used, if they cannot be repaid on time, the option is to defer payment. However, there are many concerns about the negative impact of the delay on personal credit. This paper will analyse the credit implications of spending rather than postponing repayments from multiple angles。

Will a delay in repayment of the flowers affect credit

First, from the point of view of the flowering rules of operation, the mere postponement of payments would not directly affect personal credit. As a provider of flowers, Alibaba did not make it clear that a delay in repayment would have an impact on personal credit. The deferred payment is only a service, and the user may choose whether it is necessary to extend the payment according to his or her own circumstances. A flowering assessment system focuses more on user consumption and repayment records than on whether or not to use the deferred repayment function。

Second, from the point of view of credit institutions, a mere delay in repayment would not directly affect personal letters. Personal letters are collected and processed by third-party credit institutions, of which Ali Baba is not one. Individual letters of credit mainly include information on bank loans, credit card repayments, which are not part of the deferred repayments. Therefore, the deferral of repayments would not be included in the individual letter of credit report。

However, while spending on deferred repayments would not directly negatively affect personal credit, some indirect effects would need to be noted。

In the first place, a delay in repayment of funds may result in the creation of overdue expenses. The choice of a deferred payment would require payment of the corresponding overdue interest and late payment, which would increase the individual ' s repayment burden. In the event of frequent delays in repayment, overdue costs will accumulate, putting some pressure on the financial position of individuals。

Second, flowers are a virtual credit product that may be limited in some consumption scenarios. For example, when applying for financial products such as loans and credit cards, the use of flowers may be taken into account. If there are more delays in paying off repayment records, it may reduce the credit rating of individuals in other financial institutions, thus affecting the use and application of other credit products。

Summarizing this, rather than delaying repayments would not directly affect the credit ratings of individuals, but attention would also need to be paid to overdue costs and the impact on other credit products. In order to maintain a good credit record, users are advised to use the flowers rationally and to pay on time and within their capabilities。