Once upon a time, Huabei payment, borrowing money, etc., which came with mobile payment, were all the rage, and the money spent on Huabei and borrowed seemed to be spent by Ma Yun. However, in recent years, many Huabei borrowers have not had a better time than before, because now their Huabei borrowers are no longer as friendly as before, or reduced or restricted in use, and many people are not clear about the reasons.
Huabei and borrowing are Internet credit services developed with the rise of mobile payment, when Alipay and WeChat payment gradually became popular, and people suddenly found that they only need to go out with a mobile phone, which is very convenient. In order to obtain more user groups, Alipay launched Huabei and Borrow, and WeChat also launched services such as micro loans at that time.
1. Ant Huabei. Huabei can be said to be a virtual credit card launched by Alipay, with the help of Huabei, users can overdraft consumption within the credit line, and repay the bill every month without incurring any additional fees, which is no different from the credit card issued by traditional banks.
2. Ants borrow. We all know that Huabei can only be used for consumption, but borrowing can help us achieve cash turnover, which is more convenient in some cases where cash is urgently needed. Both Huabei and Borrower require users to have a sesame credit score of more than 600 to open and use, with limits ranging from several hundred to 200,000.
3. Good gold bag. Although the good gold bag is provided on WeChat through the public platform, but in essence it is not much different from borrowing, all of which belong to the credit services of the Internet era, and they are also based on the credit use of sesame credit score of more than 600, users can directly take the initiative to apply according to their needs, and the limit has been increased to 20,000 to 200,000.
So what is the reason for the reduction of Huabei and Borrow, and why is it mainly concentrated in the last year or so?Let's take a detailed look at the shutdown criteria of Huabei borrowing and the reasons for it.
First of all, due to the impact of the epidemic in recent years, although it has gradually been liberalized and reduced, the impact of the past year or so is still quite large, not only affecting people's daily life and travel, but also directly affecting the development of all walks of life, resulting in the overall economic recession. At this time, Huabei borrowing is no exception, and it is natural to prevent borrowing risks and further reduce the user's Huabei borrowing limit, that is to say, when your financial situation is not good, it is easy to lead to the reduction and shutdown of Huabei borrowing.
Secondly, many users have developed some unvery good Xi habits in the process of using Huabei borrowing for a long time, violating the bottom line of the rules for the use of Huabei borrowing, which will also lead to Huabei borrowing being reduced or shut down. The more common ones are Huabei cashing out, and borrowing the funds lent by Beibei for investment and financial management. These behaviors are actually seen by Alipay, and it is easy to be shut down if there are more occurrences of Huabei borrowing permissions.
In the end, there are more and more overdue users, which has led to an increase in the number of users who have been shut down by Huabei Borrowing. Have you noticed that although this year has been further liberalized, there are more people looking for jobs in the society, and the closure of individual industrial and commercial households has also become a rapid growth trend, and the reason is that most people have run out of money, the economy is sluggish, and even a large number of users have overdue. Everyone knows that this is the era of Internet big data, and once the loan is overdue, it will affect all credit businesses, and Huabei borrowing is no exception, and it will also face the risk of being reduced or even shut down.
The above Huabei borrowing and closing standards have been re-determined, I don't know if everyone's Huabei borrowing is still okay?Welcome to leave a message to discuss.