What's with the flowers not being used?

The reasons and solutions for the unavailability of flower buds are as follows.

1. The bud has expired.

After the flowers are overdue, the account will be in an overdue state, and users can't use the overdue flowers.

Users need to pay off overdue debts first, and then check whether the status of Bai Hua loan page is normal.

If it has returned to normal, you can continue to use Bai Hua.

The account has not returned to normal, so you need to wait patiently for the next evaluation of the system.

2. Loans and overdue reserves.

After the loan and reserve fund are overdue, it will not only lead to their own inability to use, but also lead to the inability to use the flower buds.

Users need to pay off overdue loans and reserve funds first, and then check whether the loan page in Bai Hua is back to normal.

If not, you need to wait for the system to re-evaluate.

3. Personal comprehensive score is insufficient.

The system will review the personal credit qualification status of users from time to time. If it is found that the user's personal comprehensive score drops during the audit process, and the current personal credit qualification conditions do not meet the conditions for the use of flower buds, then the loan service of flower buds will be stopped.

Users need to accumulate good credit records, maintain a moderate personal debt ratio and actively improve their repayment ability in order to effectively improve their comprehensive credit score.

4. The frequency of flower buds is too low.

Users rarely use flower buds after opening, which will make the system think that users have no loan demand, so after system evaluation, the system will stop the loan service of flower buds.

Users can often use Alipay for consumption, and can tell the system that they have strong spending power.

When the system thinks that the user's spending power is strong, it is possible to provide the user with the flower garden loan service again.

5. The personal debt ratio is relatively high.

When there is more debt under the user name, this will lead to a higher personal debt ratio.

When the debt ratio exceeds 50%, the system will suspect that the user's repayment ability is insufficient.

Insufficient repayment ability means that the risk of overdue flowers will increase, so the system will stop borrowing flowers.

Users can pay off some debts in advance, which can effectively reduce the personal debt ratio.

Or actively improve personal repayment ability. When the repayment ability rises, the debt ratio will decrease accordingly.

6. The quota of available flower beds is insufficient.

The user's order amount is greater than the available amount of flower buds, which will lead to the failure of flower buds payment.

Users can pay off part of the arrears of flower beds in advance and restore the available amount of flower beds to be greater than or equal to the order amount.

Or on the payment page, check whether combined payment is supported.

When the payment page can receive a temporary amount of flowers, users can also receive a temporary amount.

7. The transaction order was not approved.

Consumer orders submitted by users can only be paid by Bai Hua after they have passed the system audit, but for orders that have not passed the audit, users can only pay by other payment methods.

Users can choose to submit the order again to see if they can pay in Bai Hua.

If you submit the order again, you can pay by Bai Hua, and the user can pay directly.

However, it is impossible to pay in Bai Hua. Please change other payment methods to complete the payment.

8. This product does not support flower bud payment.

Some goods do not support the payment of flower buds, so when orders are paid together, there may be cases where flower buds cannot be paid.

Users can split orders and pay individual orders one by one.

If you encounter an order that cannot be paid through Bai Hua, please change other payment methods to complete the payment.

9. Illegal use of garden quotas.

The flower garden quota can only be used for consumption, and credit card or cash withdrawal is not allowed.

If the system detects that the user illegally uses the flower bud quota, then according to the contract, the contract can be terminated immediately and the loan quota of the flower bud can be recovered.

Users should immediately stop violating the rules, continue to accumulate good credit records, and wait patiently for the system to re-evaluate.

There is no violation, but it is misjudged by the system. The user can submit the consumption voucher to the manual customer service for review.

10, Alipay account is abnormal.

When the user's Alipay account is in an abnormal state, in order to ensure the safety of the funds in the account, the user will not be able to use the loan services such as flower buds, borrowing buds and reserve funds.

Users can cancel the abnormal account status by themselves according to the page prompts, or they can directly call Alipay customer service hotline to ask the manual customer service to help cancel the abnormal account status.

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Extended data:

What does it mean that the flower bud system does not regularly evaluate your qualifications?

The flower bud system will evaluate your qualification from time to time, which means that the system will evaluate the user's Alipay account from time to time to confirm whether the user is qualified to continue using the flower bud.

Once there is a record of breach of contract in Sesame Credit, or Huabai or other loans overdue during the use, it may lead to the inability to use Huabai in the future.

Therefore, if you want to use the flower buds for a long time, you must maintain a good credit record and a good record of using the flower buds, so that you can pass the systematic evaluation.