The difference between only closing the flower garden and closing the flower garden and credit purchase lies in the use scenario and repayment method.

1. Bai Hua is a virtual credit card that can be used by Alipay partners and paid off before the monthly repayment date. If only the flower garden is closed, it means that users can still use the flower garden for virtual credit card consumption, and make repayment according to the way of paying off debts before the monthly repayment date.

2. Credit purchase is an installment payment service. You can buy goods at the designated merchants of Alipay and repay them in monthly installments. If the flower garden and credit purchase are closed, it means that users will not be able to use any consumer credit services provided by Alipay.