1. Search for "Flower Garden" directly on Alipay's homepage. After entering the flower garden, click "My bill-monthly repayment-prepayment" to complete prepayment. It should be noted that if the flower garden bill has been paid in installments, it cannot be repaid in advance.

2. The other is to repay the loan in advance, and the interest of the loan itself is calculated on a daily basis. Therefore, if users want to prepay, they can directly search for "loan" through Alipay's homepage, and then click "Pay back-prepay" to successfully repay.

Operating environment: iPhone1115.0 Alipay 10.2.36.

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1, Alipay's prepayment does not affect credit. Sesame points were originally intended to reward users who keep appointments on time, and early repayment belongs to users with very good credit. Only arrears will affect Alipay's credit, and prepayment will not affect credit. Generally speaking, there are two ways to repay flowers, one is to repay in advance and the other is to repay in time. Although they all paid off the money in the end, there is still a difference. Some users will choose to pay in advance in order not to default on the payment.

2. Because of hearsay, many users think that Alipay prepayment will affect credit. No matter which software it is, the advance payment belongs to high-quality customers with good credit. The concept that advance payment will make an impression comes from credit card advance payment. After the credit card is repaid in advance, the bank will judge that the user is not highly dependent on the credit card and will not withdraw cash from the credit card. Because the handling fee of credit card is charged according to each transaction, the prepayment of credit card will affect the number of swipes per month. Alipay is not a credit card. Users who repay in advance will be judged by Alipay as having good credit and good funds, and will also give users a quota.

3. Credit cards and flower beds have similar functions, both of which are tools for daily consumption, but flower beds do not charge fees and interest. Therefore, it is best for users to repay in advance, which has no impact. Moreover, the initial limit of the flower shop is in 50 yuan, and the credit card limit is not in 50 yuan. Every time the user prepays, the amount of money will be raised quickly. The slow withdrawal is due to Alipay's judgment that the user's capital demand is not large, which has nothing to do with early repayment.