Bai Hua and Baitiao are two kinds of consumer credit services provided by Bai Hua, a subsidiary of China Ant Group. Bai Hua is a consumer installment service based on Alipay, which allows users to pay in installments when shopping online and offline. Flower buds provide different staging options, allowing users to pay monthly, reducing the burden of one-time payment. Users can decide whether to get the amount of flowers and the period of installment payment according to their personal credit score and consumption. White stripes are virtual credit lines provided by Ant Group, similar to online credit cards. Users can use white bars to make purchases on designated merchant websites and applications, and then repay the arrears within the prescribed repayment period. White stripes allow users to spend first and then pay, which facilitates the shopping experience of users. Flower buds and white stripes are very popular in China, providing users with flexible payment methods. However, when using them, we need to manage our finances carefully to avoid excessive borrowing and unnecessary debt pressure.