Don't believe in the network's loss tricks, use huabei skillfully, 3,000 wages can also be quickly increased by 5 times

Can 3000 wages get 10,000 yuan? Yes, it is also very easy to even get a quota of 15,000. The amount of 10,000 is not very high, generally as long as it is used correctly, in about a year, ordinary wage earners will have this amount. Alipay's emotional intelligence is high, and the level of the credit system is also very high, and Mr. De can roughly guess the credit process of Huabei quota.

In fact, Huabei's credit granting model is based on sesame credit scores, coupled with other user financial information linkage, and finally the machine calculates a quota, and at the same time can be automatically dynamically adjusted on a regular basis.

1. The more information a user uploads to Alipay, the higher the Sesame Credit Score and the higher the amount spent.

But are you willing to upload your credit card status to Alipay? Upload your car situation? Upload your CPF status? If you want, you can increase the amount of huabei, which is a high score at the expense of personal privacy.

In particular, the data that we think is the most private, that is, Alipay's favorite. Through this private data, in fact, it is clearer to paint a more realistic and reliable credit portrait of each of us.

The more data, for Alipay, the more secure the credit transaction with users, and it is easier to recover the loan in the future.

2. The legitimacy of offline consumption behavior is very conducive to the substantial and rapid increase of the amount of huabei.

Compared with online payment and offline merchant Huabei payment, which Alipay prefers it? The latter, of course. When Alipay can clearly see the user's trajectory and daily habits through the user's Huabei consumption record, then Alipay's absolute users are more and more assured, and the amount of Huabei will naturally become higher and higher.

Look at the flowers that Alipay is promoting recently, and you will understand Alipay's intentions. These consumption requirements are paid at the counter of offline cooperative merchants, this information is the most real information that Alipay wants users, from which the normal behavior of users can be analyzed, and users can be avoided from cashing out.

The more normal consumption behavior, the higher the amount of huabei. It's not really about the amount. Many people say that the amount of money spent will be increased again, which is actually helpful, but it cannot be greatly improved.

3. The more financial behaviors in Alipay and the frequent cash flow flows, it is of great benefit to the increase in the amount of Huabei.

This reason is actually very simple, when the user shows that he has a cash flow external supplement function, if the amount is still quite large, then Alipay will think that the user is a solvency person.

Users can also buy financial management, there are often money to enter, but also use other service functions in Alipay, the user's spending quota will naturally continue to increase, the more Alipay wants to retain users.

So what is the maximum amount of Huabei in general? In fact, Alipay will guess a user's income range based on user data, and then it can reach up to about 5 times the income. The data of 5 times the income limit is actually the upper limit of credit granted by many bank credit card centers.

So calculated, if the monthly income is 3000, is it possible to spend the amount of 15,000!

To sum up: when you give Alipay more personal information, when you are using Huabei quota normally, when you show that you are solvent. Then your flower, the amount will naturally increase gradually.

In addition: I found that many people say that they can help increase the amount of spending, but in fact, it is not reliable at all. Be careful to pay the service fee, the service party guesses and does it, to test the machine audit principle of Huabei quota increase, but it may trigger Huabei to be shut down or derating because of abnormal behavior.