How about ICBC Global Travel Platinum Card?

it may be that there is a bad credit record such as overdue payment, and the merchant has not opened the flower bud collection and does not support flower bud payment.

the opening and use of flower buds are determined by the user's sesame score, which belongs to the third-party credit data, that is to say, the user's past behavior data will directly affect the opening and use of flower buds. If there is an overdue situation in the process of using the flower buds before, or if there is a bad repayment behavior when using other sesame sub-loan products, it will have an indelible impact on the use of the flower buds. The flower buds are authorized according to the borrower's comprehensive credit. If there is a bad credit record such as overdue repayment or suspicion of untrue transaction, that is, suspicion of cashing out, even if there is a quota, it will be banned. This is also one of the main reasons why there are quotas that cannot be used.

if the system shows that customers can't use the flower buds when they spend money, but there is obviously a quota, it's probably because the merchants don't support flower buds payment, so even if the flower buds have a quota, they can't pay. It is also possible that the page shows that although there is a quota, the actual quota is in a frozen state and the customer can't use it for the time being. The reason why the flower garden was frozen is probably that there was an overdue situation in the previous repayment, which led to the damage of personal credit; It is also possible that the system suspects that the customer has a cash-out operation and the account risk is high. The system detected that there were risks in this transaction, such as suspected non-personal operation and suspected brush theft, which restricted the transaction.

What is a flower bud

Ant Flower Bud is a consumer credit product launched by Ant Financial. After applying for opening, it will receive a consumption quota ranging from 5 to 5, yuan. When spending, users can advance the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

Ant Flower Garden is based on the comprehensive consideration of consumers' online shopping situation, payment habits and credit risks, and grants users a spending quota ranging from 5 to 5, through big data calculation and risk control model. The quota of Ant Flower Garden is awarded according to the behaviors of users such as consumption and repayment accumulated on the platform. Users' behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. When users' behaviors are good in a period and meet the quota policy, their corresponding quota may also be increased.