Credit cards can't directly repay flowers, petty cash and the like, only by withdrawing cash.

There are two ways to withdraw cash from a credit card:

You can withdraw money directly from the UnionPay deposit and withdrawal machine. In this case, you can only withdraw half of the credit amount. For example, if the credit limit is 5,, you can only withdraw 25, at most;

brush it out on the p>POS machine. In the way of virtual message, merchants charge a small amount of fees and give you cash directly. And the bank doesn't know how you got out. As a shopping expense. There is an interest-free period. Some of them are 5 days, so as long as they are paid off within the specified time, no interest will be generated.

AliPay's loan is a small loan with credit information. If there is a demand for buying a house in the last three months, it is not recommended to borrow it. If the loan shows an operating loan in the credit information listing, the interest is 15, yuan per day, which is equivalent to 7.22% of the annual interest.

The handling fee for credit cards is 6%, so the interest for borrowing money within 1 days is more cost-effective than that for credit cards, and it will be more than twice as much as that for credit cards over 1 days. You can do it as follows.

Borrowing Bai is a loan service launched by Alipay. At present, the application threshold is that the sesame score is above 6. According to different scores, the loan amount that users can apply for ranges from 1,-3, yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages in the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of raising the amount:

1. Deposit the balance treasure or lucky treasure (regularly), and deposit 15,+money, which can basically be released after 1 days, usually on the 1 ST to the 1 th;

2. Download the online merchant bank app on the mobile phone, and then deposit it in Yu Libao. Ten thousand+deposit for one month can basically lend it+ten thousand consumer loans from the online merchant bank;

But there are still netizens who spit out Uncle Ma Yun; One of the reasons why I am not optimistic about these internet companies engaging in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees.

this part of the business will naturally have an impact on the similar business of banks. after all, the scale of several major internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal by stages, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

Flower Shop:

It is consumer lending, and borrowing money is investment and wealth management, both of which are limited to Alipay business. Leaving Alipay will generate huge financial risks, so there are strict restrictions. Alipay is to reduce risks.

here are some questions about the quota, some of which are very low or even non-existent. What are you asking?

1. Due to system reasons, maintenance, upgrade and update often occur. It is normal to close for a short time without quota. It is recommended to refresh it later or check the official announcement.

2. If the amount is reduced, Alipay will take some measures such as reducing the amount if there are violations, swiping the bill, penalties, etc. during the use.

3. Reputation problems. In case of personal credit problems such as overdue payment, Alipay will definitely freeze and close its authority directly.

4. Cash out. Although the loan can be repaid in advance, if you often borrow it for a few days and return it immediately, then the loan may think that your demand for this product is not great, so it is easy to be blocked.