Overnight, the amount of Huabei borrowing soared significantly, and netizens: Huabei rose by 180,000, borrowed up 560 thousand.
Recently, many netizens have said that the quota of Huabei and borrowing has increased significantly overnight. Some netizens said that their Huabei quota was suddenly increased from the previous 30,000 to 480,000, and the borrowing amount has increased from the previous 10,000 to 660,000 yuan, Huabei rose by 180,000, borrowed up 560,000, the increase in the quota has amazed many netizens.
So, why did the netizen's Huabei borrow get a raise?First of all, let's take a look at the basic rules of Huabei borrowing and the current mainstream consumer credit products.
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1. Ant Huabei. Huabei is a leader in the current consumer credit products, with more than 300 million users, and tens of thousands of people solve urgent needs through Huabei every day. Huabei has an interest-free period, for many users, it can relieve economic pressure in the short term, and the amount is also considerable, generally sesame points are greater than 600, there is more than 500 consumption limit, and the credit user limit is less than 60,000.
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Second, ants borrow. Borrowing is a turnover tool that people are using, and Huabei is different, borrowing is not directly used for consumption, you need to withdraw the amount of cash, the general amount can reach thousands to tens of thousands, no mortgage, sesame points greater than 650 have the opportunity to get a credit line.
Clause. Three, moreGold Bag. and moreGolden Bag is a credit product similar to Ant Borrowing that provides a line of credit through the WeChat public platform, with a maximum loan of 200,000 yuan and a term of up to 36 months. The credit evaluation is higher than 400 points, and the amount can be as high as 30,000 yuan. Interest will also be based on the user's credit assessment and repayment status.
It is understood that the netizen has maintained a good repayment record during the use of Huabei, and often repays in advance and has never been overdue. In addition, the netizen's Huabei account has been active, with frequent consumption and repayment records. These excellent repayment and consumption behaviors have increased the netizen's Huabei quota.
The netizen said that he had some needs for large-scale consumption recently, so he applied for a quota increase on the loan and provided the corresponding information. During the review process, the information provided by the netizen was complete and true, and the credit report of the People's Bank of China did not have a bad credit record. After comprehensive consideration, the loan increased the quota for the netizen.
So, why were these netizens able to get a raise?We can analyze it from the following aspects. First of all, a good repayment record is the basis for the amount increase, and the bank will evaluate the user's credit status based on the user's repayment performance. Secondly, activity is also one of the factors to increase the quota, and active consumption and repayment behaviors can show the user's demand and ability to use financial products. In addition, sometimes the user's limit increase is also related to the situation of the personal credit report, such as good personal credit history, no bad credit record, etc.
To sum up, the methods for increasing the amount of Huabei and borrowing mainly include the following points. First of all, it is important to maintain a good repayment record and avoid late payments. Secondly, it is necessary to maintain the activity of the account, and have frequent spending and repayment records. In addition, it is necessary to provide true and complete relevant information, such as personal information, proof of income, etc. Finally, be reasonable when applying for a loan increase, and don't exceed your ability to repay too much, so as not to put unnecessary burden on yourself.
Borrowing and Huabei raising the amount is only a means to meet temporary needs, and we should reasonably plan and use financial products according to our own economic conditions to avoid the burden and risks caused by excessive borrowing. Only on the basis of rational consumption can we maintain a good credit history and better enjoy financial services.