I often receive feedback from netizens that Huabei borrowed it inexplicably banned for no reason, what should I do, and whether there is still room for redemption. In fact, whether it is Huabei borrowing, or other Internet financial services, even banks have their own rules, Alipay Huabei borrowing is no exception, Ma Yun once warmly reminded everyone that Alipay's 3 taboos should be paid attention to.
Alipay based on the Sesame Credit score launched the ant Huabei borrowing service, Huabei can achieve consumption first and repayment later, and Alipay's payment function can be said to be perfect to the extreme, borrowing can be described as users to provide short-term borrowing needs, so that Alipay has formed a comprehensive financial service tool integrating payment, consumer finance and Internet lending. Speaking of Huabei borrowing, let's take a look at the most commonly used lending products; Especially the third one is very real.
1. Ant flowers. That is, the full name of what we often call Huabei, is a consumer financial service under Ant Financial, which can realize consumption first and repayment later, and now supports online and offline payment in various scenarios.
2. Ants borrow. As the name suggests, it is also a service used for lending under Ant Financial, requiring a sesame score of more than 600 to be invited to open, with wide coverage almost seconds ahead of traditional bank loans and offline finance, and is favored by users because of its strong flexibility.
3. Puppies spend money. This is to provide services on WeChat, but also refer to Sesame Credit score, for users with more than 600 Sesame points can directly query the corresponding amount on their public platform, generally ranging from 20,000 to 200,000, no form of invitation is required, for users to apply directly for access, relatively speaking, more close to the people, and will not casually reduce or close the permission.
Jack Ma once said that as long as your credit is good enough, why not borrow you 100 million. Of course, this is just a joke, but it also shows from the side that Alipay attaches importance to personal credit, as far as Huabei borrowing is concerned, Sesame Credit is adopted as an evaluation system, Huabei is set up to 50,000, borrowing can reach 200,000. So what are the taboos of Alipay that cannot be touched?
First, cash out. According to the relevant regulations of the China Banking Regulatory Commission, credit card cashing is illegal, and we also know that Huabei is actually equivalent to the function of bank credit cards, of course, cashing out is not allowed. Even if Jack Ma doesn't care about you, you must know that Alipay is also subject to the supervision of relevant institutions, so this red line must not be touched, otherwise it may lead to the banning of Huabei borrowing.
Second, frequent use of lending. Although borrowing can be repaid as you borrow, and the interest is calculated on a daily basis, you cannot borrow and repay money too frequently, which will have a certain negative impact on the monitoring and audit of the system. In fact, some people need to borrow a little in order to save a little handling fee, and immediately return it after having money, and the use record of borrowing can be more than 30 times a month, so too frequent may cause disgust on the platform, or there is a suspicion of lending and maintenance, so it is not surprising to reduce or disable it.
Finally, the issue of personal credit. Some people say that I have been repaying loans on time, why is it also disabled? There is also such a possibility here, that is, your arrears in other places are overdue, such as credit cards, WeChat, etc. are on the credit report, Huabei borrowing is also access to the credit system, when you have a bad credit record in other places, through the central bank credit will also affect the use of Huabei borrowing, now is the era of Internet big data, information can be shared and interconnected.
So what happens when Huabei borrowing is disabled? Generally, the review, credit granting and disabling of Huabei borrowing are automatically judged and handled by the system, and generally manual intervention will not be involved, and if you encounter this situation, you can try to contact Alipay customer service to find out the reason, and negotiate to lift the ban. If it still doesn't work, then what we need to do next is to pay back the arrears of Alipay on time, maintain good credit, and interact more than Alipay in daily life, so that it can be opened again after a period of maintenance. Have you ever encountered a situation where Huabei borrowing was suddenly downgraded or disabled?