Overdue credit cards will affect flowers. Because flowers are related to credit cards. Specifically, Bai Hua is a consumer credit service based on Alipay platform, in which the credit limit is determined by comprehensive factors such as users' credit evaluation and Alipay usage records. In the credit evaluation of users, the repayment record of credit cards is one of the most important factors. If the user's credit card is overdue, it will affect his credit evaluation, thus reducing his credit limit or closing the flower shop function.