As mobile payments develop at a high rate, the “flowers” of the paying treasures are also receiving increasing attention from a wide range of users. Similar to credit cards, flowers are convenient and useful, but many do not know how to repay them, even in a vicious circle of “flowers and flowers”. This paper will analyse the question of repayments from many angles and will help to get people out of trouble。

1. Repayment of expenses

There are two types of repayments that are paid out: on an active basis, that is, by the user manually before the billing date; and on an automatic basis, that is, when the user sets a specified amount, the system automatically deducts it for a specified period of time. Of these, automatic repayment is the most convenient and practical way of effectively avoiding the embarrassment of forgetting the repayment。

2. Time spent on repayment

The billing date is 10 per month, and the user may choose either to pay off the billing itself or to open the automatic repayment. For example, when the billing date is 10 October, the user will have to pay its last month's arrears by 10 October, or a fine will be calculated at a certain interest rate。

3. What are the consequences of overdue payments

IF THE USER IS OVERDUE, THE USER WILL BE FINED ACCORDING TO A CERTAIN FINE. THE PENALTY IS CALCULATED ON THE BASIS OF THE AMOUNT DUE PER DAY, WHICH IS BETWEEN 0.051 TP3T ~11 TP3T PER DAY. MOREOVER, EACH FINE WOULD RESULT IN A DECREASE IN THE CREDIT SCORE OF THE USER SESAME, WHICH WOULD AFFECT THE CREDIT RECORD OF THE USER。

4. How can a vicious circle of flowers be avoided

How can we avoid the awkwardness of "flowers" when using flowers? First, users need to set a reasonable level of repayment in accordance with their financial situation and do not exceed their own repayment capacity. Second, it is proposed that the user turn on the automatic repayment function and set the specified amount at more than 1.5 times the monthly billing amount to avoid a failure to pay due to fluctuations in billing amounts。

5. How can flowers be consulted for repayment information

Repayment information can be sought through the personal centre for the payment of the treasure account. On the "My Flowers" page, users can view the amount of money available for the current flower, the amount due, the billing date and the repayment date. If the user has any doubts, it may also be consulted by paying for the bouquet。