为什么花呗九号才还款？这其中太多“秘密”，网友：我选择关闭
以往提起马云大家都会联想到他的阿里巴巴，中国最大的电商平台。而现在马云的旗下又添一名“猛将”，那就是支付宝。在这个互联网时代，我们生活中许多的行业都开始与互联网进行结合。支付宝正是凭着这个时机，成功的成为了国内最大的移动支付平台，现在的支付宝还跨出了国门，走向世界。当然，我们要说支付宝为什么能够成功，不光是因为支付宝找到了一个合适的机会，还有雄厚的实力。
我们都知道花呗是支付宝推出的信贷服务，花呗现在已经占据了信贷服务中近60%的市场份额，其中大部分都是年轻人在使用，其余剩下的40%市场份额则是中老人使用的信用卡服务。开通花呗之后可以获得50到50000不等的消费额度，然后可以在这个月进行消费，在下个月进行还款。花呗最初的本意只是促进那群有消费欲望但还差一点经济能力的人群的消费，但是现在已经成为了大部分年轻人的消费首选。最开始的花呗只能够应用于阿里巴巴的线上服务，现在在线下门店也可以进行使用了。
不过你知道为什么花呗九号才还款吗？这其中太多“秘密”。首先是因为大部分的人的工资都是在10号到15号进行发放，因此这部分人没有发工资时，可以继续促进花呗的使用量。另外一个原因是如果将还款日期设为1号，那么用户也没有工资进行偿还，反而会造成拖欠。因此为了能够促进用户的消费和提高用户的还款能力，花呗才将还款日期设定到九号左右。
不过也有部分网友表示“我选择关闭花呗”，这又是为什么呢？因为现在的年轻人消费能力提升太快了，很喜欢花费大把的资金去购买穿戴以及数码产品。逐渐的培养成为了一种超前消费的观念，也就是“马上就要发工资了，先买吧！”殊不知这样会让自己控制不了自己的消费习惯，最终让自己的收入支撑不了自己的消费习惯。这也是那部分控制不了自己消费习惯的年轻人选择关闭花呗的原因。
其实花呗本身是没有错的，错的是使用它的人。包括笔者曾经有一个朋友，因为使用了几十元的花呗买了一个东西，结果忘了还款，导致自己的芝麻信用分受到了影响。不光是如此，她也因此差点上失信人名单，幸亏及时发现还上才没有让事情更恶劣。大家都知道上了失信人名单会被禁止购买高铁票、贷款买房等等。所以如果我们不能好好的管理自己的消费能力与习惯，那么还上谨慎的去选择这些信贷服务吧！你周围有类似的例子吗？
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