Most people use flowers in their daily lives, a popular credit product that allows you to experience “buy before pay” when you shop online and pay off online. But you may have a question as to whether it would affect my credit with the minimal repayment function of flowers. In fact, the answer is related to the way you use the minimum repayment function。

Does a minimal repayment affect creditworthiness? That's what affects credit

It offers the option of a minimum repayment amount, which allows users to avoid delays in times of financial stress. In the use of the minimum repayment function, only part of the current bill is payable. As long as you are able to pay the bill in full and on time at the next repayment date in accordance with the minimum repayment rule, this will not negatively affect your credit. It should be noted that in the case of delayed payments, interest is charged at a certain rate, so you need to make up the balance before the next repayment date。

However, the manner in which the flowers are used affects your credit position, as follows:

1. Cash-in-the-flow: flower-in-the-specify prohibition. If the system detects suspected laxity, it reduces the credit ratings of users, limits the use of flowers and even freezes。

2. Expiry: If you use flowers that are often overdue and do not carry out such operations as deferred or minimal repayments, the system may limit your flower trade, freeze your flower account and send a letter to you with negative effects。

3. Infringement of use: If the system finds that the flowering account is being used for non-compliant payment scenarios, the payment treasure system also reduces the credit level of users and limits their use。

On the whole, the minimum repayments that are spent will not affect credit, solely because of how you use this function. In fact, if you have sufficient capacity, it is recommended that you still pay in full and on time in order to maintain good personal credit。