Theoretically, it is ok to use the money to pay back the money after the credit card is withdrawn, but it is not recommended. Paying back flowers by credit card is an act of "supporting loans with loans". To put it simply, "supporting loans with loans" is robbing Peter to pay Paul, which is a very risky and serious lending behavior. It is not recommended to return flowers in this way.

Credit card is a kind of credit product that mainly deals with non-cash transactions, and its main purpose is to spend in advance. If the money in the credit card is withdrawn in an abnormal and legal way before it is used to repay the mortgage, it is not only an act of "supporting the loan with the loan", but also an illegal act of cashing in the credit card. The consequence of cashing in a credit card is that the bank freezes or reduces the quota, or prohibits the card from applying for cash withdrawal within a period of time. In addition, credit card cashing will also be included in the personal bad behavior record of the credit information system by banks.

Bai Hua is equivalent to a non-entity credit card attached to Alipay payment system. Like credit cards, Bai Hua is a consumer credit product. After the application is opened, you will get a consumption quota, which is generally between 800 yuan and 20,000 yuan. Users can first set the flower buds as "highest priority deduction". When shopping, use Alipay to scan the QR code, pay by prepaying the amount of flowers, and enjoy the shopping experience of "consume first, then pay".

The setting method of "Priority Deduction" is: 1. Open Alipay and enter the "My" page. 2. Click "Settings" in the upper right corner of the "My" page. 3. Click "Payment Settings" in "Settings". 4. Click "Deduction Doc" in "Payment Settings" to set it.

The requirement for opening an ant flower garden is: 1, and the habit of using Alipay frequently. 2. Alipay has bound the mobile phone number. 3. Sesame credit score is above 600 points. 4. Chinese mainland residents aged 18 to 60 who have passed Alipay certification. After meeting the above four conditions, it depends on the evaluation results of Alipay account by Bai Hua Credit Information Center.

Can I return the flowers with my credit card?

1. Credit card cannot be returned. Flower buds, like credit cards in essence, belong to a micro-credit business. The only repayment methods supported by Huabai are Alipay balance, Yu 'ebao balance and debit card balance.

2. The only way to repay Hua Bai by credit card is to withdraw cash by credit card first, and then repay Hua Bai. However, this method requires the cardholder to bear the interest of five ten thousandths of the daily withdrawal and the withdrawal fee. It can be said that the cost is high and it is not recommended to do so.

For more information about returning goods by credit card, please visit: See More.

[img] Can I return the flowers by credit card?

Yes Many people will think that I added my credit card to Alipay. Then when you still spend it, just choose the credit card directly. Actually, you can't do that. Because Bai Hua repays, only Alipay account balance and bank card are supported. This is similar to, can the WeChat balance be refunded? In the same way. Because these are two systems, they can't repay each other. Credit cards can't be refunded directly, but they can be refunded in another way. For example, I can use a credit card to withdraw money from an ATM and deposit it in a bank card. Then use the money in the bank card to return the flowers.

There are many repayment methods in Bai Hua. For example, if there is money in Alipay balance, it can be paid directly. Bind the bank card of the rich to Alipay. Then use the bound bank card to return the flowers. Although the credit card can also be bound to Alipay, it cannot be returned directly. The funds in the credit card can only be used for consumer payment.

Some people will ask the credit card: Can I transfer money by credit card? For example, can I transfer the money from my credit card to another bank card? This is also not allowed. However, the credit card has the function of cash advance installment, that is, the credit card funds are transferred to the bank card. Then, if you repay the loan in installments and advance the cash in installments, you will charge an installment fee. This needs attention. Many people have misunderstandings about credit cards. For example, why can't credit cards be refunded directly? Why can a bank card be refunded directly? First of all, we should understand that the main function of credit card is to spend in advance. Credit card has no transfer function, which is very different from bank card. We usually use credit cards to pay first and then repay. Credit cards have overdraft function, while bank cards have no overdraft function. You must have money in your account before you can use them.

How to pay by credit card?

Handle credit card cash withdrawal business through bank outlets and electronic channels, and then deposit the extracted cash into a savings card, which will be used for repayment. Bai Hua can't pay directly by credit card, but only indirectly.

Generally, credit card overdraft withdrawal does not exceed 50% of the cardholder's credit limit (phased withdrawal, cash transfer and cash sharing), and does not exceed the current available credit limit of the card. Overdraft cash withdrawal does not enjoy interest-free repayment.

According to the regulations of the People's Bank of China, the cumulative cash withdrawal amount of counter channels and self-service machines (such as ATM) channels per card day does not exceed 30,000 yuan, of which the daily overdraft withdrawal limit of counter channels is 20,000 yuan, and that of self-service machines (such as ATM) channels is 1 10,000 yuan.

Because the credit card takes the existing interest, users need to give full consideration when using the credit card to repay the expenses. If you can repay the current arrears, you can use the savings card, balance and balance treasure to repay the interest expenses.

Paying back the flowers by credit card is a repayment method of "robbing Peter to pay Paul". In the long run, it will generate higher interest and increase the economic burden of users. When users use flower buds, they should live within their means and plan the use of flower buds reasonably to avoid overdue.

Can the credit card reimburse the expenses?

Credit cards are not allowed to return flowers.

Because credit cards also belong to consumer finance, flower buds just don't have physical cards, so you can't return flowers with credit cards. This situation can be understood as robbing Peter to pay Paul, which is a bad behavior.

Huabai can also support repayment by installments. If you can't pay in one time, you can really choose to repay by installments to reduce your repayment pressure.

Moreover, the current repayment method of Huayuan is also very simple, and it can be operated on mobile phone Alipay:

1. Open Alipay on our mobile phone, find my interface at the bottom, and then click Bai Hua.

2. After entering the flower garden, you will see the amount you should repay in this bill, and click Repay Now.

3. Select immediate repayment, enter the repayment page, click to confirm repayment, select the payment method, enter the Alipay payment password, and the repayment is successful.

This concludes the introduction of how to repay Bai Hua and Bai Hua by credit card. I wonder if you have found the information you need?