The flowers are just a loan product from a payment treasure, through which the user can make a first purchase and then pay at the time of consumption. However, once flowers are used, the user needs to pay back within a specified time frame. If overdue, there would be a series of adverse consequences。

What happens if you don't spend it? Take an inventory of the negative consequences of the delay

First of all, the overpayment would have a serious impact on individual credit records. As a loan product, the overdue records of the flowers are reported to the personal call system. Negative credit records not only affect future loan and credit card applications, but also retain them for up to five years after the user settles his or her arrears, during which time the client ' s credit assessment is affected。

Second, there are additional costs associated with late repayments. Costs would be charged to late users for handling fees and late payment, and those costs would accrue over time. As a result, user debt pressure will increase. At the time of the settlement of the arrears, the user would have to pay the fee in addition to the principal, otherwise it would continue to be subject to financial risk。

In addition, the delay in the collection of flowers may give rise to early collection and legal problems. The payment platform is collected by text or telephone. If the delay is longer, it may even be possible to entrust the debt to a collection agency or to pursue it through legal proceedings。

In addition, long overdue payments can lead to the freezing of flowering accounts. During the freeze, users are unable to trade and consume by spending, and the time when the account is unfrozen is determined by the system and the user cannot predict accurately. This will undoubtedly affect the future consumption experience of users。

In any case, after using the loan product, users must maintain good repayment habits and pay in full and on time to avoid delays. In the event of temporary repayment difficulties, it would be preferable to contact the client service in a timely manner to consult and find a solution. In addition, users should take into account their needs and ability to repay when making loans and avoid the negative consequences of delays due to excessive borrowing。