Huabei is divided into two, what is going on?

enterprise

In the past, when we did not have money to consume in our hands, we often borrowed money from the people around us, and at that time, people's advanced consumption ideas were not yet fully formed. Now, with the continuous development of informatization, the network provides people with a variety of borrowing services, and effortlessly can meet the needs of consumption through the network loan platform. However, whether it is a credit card or a huabei or borrowing provided by Alipay, it only needs to be simply verified, and it can be consumed through the limit. However, recently Huabei has made new adjustments, and some users have said that they will not use Huabei in the future in the face of the adjustment, why is this? Let's find out with questions.

As we all know, Huabei is one of the applications integrated into Alipay, and Alipay is a wealth management app product derived after Taobao and Tmall. In order to provide consumers with more convenience, Huabei in Alipay has become one of the tools often used by many young people. It is precisely because of the huge number of users, for the development of Huabei to provide an effective foundation, many people have opened the Huabei function, will be this function as the first choice for overdraft consumption. Because the application scenarios of Huabei are very extensive, whether it is to buy vegetables in the vegetable market or to shop in large shopping malls, it can be used, and it has also developed the habit of people's consumption in advance. We all know that many young people do not have much income after they have just entered the society, but they are a very important part of the consumer group, so Huabei is very in line with the purchasing needs of these young people.

Due to the advance overdraft consumption of Huabei, many people have the problem of debt, and many people are clearly aware that the cost has become higher and higher since the opening of Huabei. In response to these situations, some people were originally ready to turn off this function, and now Huabei has made a new adjustment, and not long ago the official conveniently released a message to divide this function into two.

A large part of the reason for this division is that ant exclusive services only focus on small and medium-sized consumption, and if you want to spend through bank funding, you must upgrade, only after reaching the level of credit purchase, you can use this platform for large consumption. Therefore, the problems faced by Huabei must be solved by upgrading.

In the face of the upgraded products, many consumers are not at all clear about what is going on, and what is the independent credit purchase? Is it a bank or financial institution? In fact, it is a model of bank financial institutions funding for consumers to make daily consumption, but this credit limit cannot be withdrawn, which is a type of consumer credit, and the amount that consumers can use is assessed by banking institutions.

Although the function has been changed, when the user uses this function, he can only make a purchase and cannot withdraw cash, which means that the cash withdrawal function will be completely stopped.

After adjustment, it is impossible to cash out through Huabei, and when you pay in the future, you must also have Huabei and a credit card. You can set Huabei as the first payment method, or you can set up a credit card as the first payment method. If any user has upgraded the Huabei function, then they will find out the difference.

However, not every user has been upgraded, there are still many users who only use the cost function and do not enjoy two different services, but as time goes on, there will be more user upgrades, so that people can experience the difference between the two different functions.