花呗虽然很好用，但是这个“底线”不能碰，不然害的还是自己
现在移动支付已经成为了众多网友的支付的优先选择，尤其是可以避免忘带钱包、掉钱等等尴尬情况，还免去了找零的麻烦。除去这些移动支付本身的方便，还带来了许多的方便之处。而支付宝、微信已经成为了当前移动支付的两大巨头，支付宝目前的用户数量高达9亿人，而微信支付的用户数量也达到了6亿人。
支付宝之所以能够超越微信这么多，那就是因为支付宝除了可以用来支付，还有许多方便的功能。例如备用金、花呗、借呗这类功能已经深入人心，而且这些方式还没有信用卡那样的手续费。尤其是花呗现在的用户更加广泛，因为花呗已经从原来仅仅用于线上支付到现在引入线下支付。哪怕是在小超市里面，我们都可以使用花呗进行支付了。
那么花呗的本质是什么呢？最主要的功能就是为了促进消费。因为马云发现有一部分用户非常有消费欲望，但是金额不足的问题限制了他们的消费能力。于是顺手就推出了花呗这个功能，这个功能也开始受到了那部分用户的喜爱，甚至培养出了他们超前消费的习惯。虽然你能够提前买到自己喜欢的东西，但你还是要面临着次月还款的问题。而马云为了缓解你的压力，并没有收取你的利息，但是在商家端收取了手续费。这个功能确实很好用，但是马云为了防止有一部分人不还款，也推出了许多的规则。
尤其是逾期花呗还款更是非常严重的问题。当你短时间逾期时，支付宝只会下发短信提醒你还款。而当还款时间超越一个星期后，花呗客服就会主动联系你进行还款。当三个月之后还是没有联系到你时，花呗便会对你提起诉讼，下发律师函，并将你列为失信人。而当你列为失信人之后，你将无法购买高铁票、入住酒店，甚至无法购买房子。因此花呗逾期不还的后果是非常严重的。
纵使花呗很好用，但是在消费习惯上还是要学会克制自己，绝不能去选择自己无法消费的东西。这个“底线”不能碰，不然害的还是自己。包括小编就有一个朋友为了买一台iPhone 7而去分期，最后因为自己还不上分期金额还导致了花呗的逾期，最后无奈将手机卖了又去还款。这样的结果得不偿失，而且还让自己的芝麻信用降低了。你身边有这样的例子吗？
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