剁手党该不该关闭花呗？
花呗，是蚂蚁金服旗下的消费信贷产品，功能与银行信用卡有些类似，由一号出上月账单，十号之前还款不收任何利息。自2015年正式上线，花呗已经从原本只能在天猫、淘宝线上平台购物，扩展到线下商户消费，你可以在便利店、餐馆、饰品店，甚至是买肉都可以使用花呗。
可以说，花呗已经伴随着支付宝的东风深入到我们生活的方方面面，不少人一边先用着花呗消费还有红包可以领，一边把每月的工资直接转到余额宝享收益，到十号之前在还花呗，相当于每个月多赚一笔小钱，美滋滋！
有些小伙伴担心花呗会上征信，会把征信报告弄花。其实这些担心都是不必要，因为花呗主要是通过蚂蚁金服的大数据审查用户的信用资质，不会查询也不会上传征信报告。
首先，花呗与信用卡一样属于超前的消费方式，在欧美，超前消费的理念已经很普遍，歪果仁很少存钱，所以这次美国政府停摆一个月，公职人员停发工资，就有人表示生存困难。这种寅吃卯粮的消费观与中国传统的消费观念相违背，传统的消费观念中崇尚“有钱吃饭，没钱喝粥”，而用花呗虽然按时还款不用利息，但是实际上就是借钱购物。不少人打心底对这种提前消费的方式有些抵触，毕竟用花呗还是要还的！
其次，使用花呗消费时只需要扫一下码，“叮”的一下，甚至都不需要输入密码，方便快捷。先消费后还款的方式，让我们感觉不到金钱的减少，增强了花钱的满足感，进而促进了买买买的欲望，直到账单日才发现已经背负了那么多债务。
第三，没有收入的大学生以及信用报告不那么优质的客户在申请信用卡时，银行审查较为严格，即便成功下卡额度也普遍偏低。不查询征信的花呗就广受大学生们的欢迎，毕竟马云比马化腾大方得多，时不时撒钱发红包，集五福还有可能免还花呗。我是不赞同给大学生开通花呗的，因为在学校阶段就有收入的学生还是少数。这一群体的还款能力与消费能力往往不匹配，给大学生开通花呗相当于去逛超市配了购物车，本来可能只能买两只手能拿的，结果总是提了两大袋。这对学生群体消费习惯的塑造是不利的。
花呗花呗，推出的出发点就是方便用户消费，缓解资金压力，但是作为消费者还需量力而行理性消费，不要给自己好像钱还很多的错觉，毕竟花呗还是要还的。
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