The new year is new, Alipay is no exception, while launching a variety of New Year benefits, it still can't forget the update service of Huabei borrowing. The Spring Festival holiday has not ended, and some users' Huabei borrowing has been shut down, which will undoubtedly bring some troubles to this part of the people, especially for users who are not enough cash. So how can this kind of situation be prevented? Today we are going to discuss this issue.
As we all know, Huabei and Borrowing are two consumer financial services on Alipay, both of which can only be used with reference to Sesame Credit score, and there is no need for any guarantee or mortgage during the period. In fact, not only Huabei and borrowing, but also many Internet consumer services now refer to sesame points as an important evaluation criterion, so far Sesame Credit has also become a veritable Internet credit representative, let's take a look at a few services that are more commonly used by everyone.
The first one, Ant Huabei. Abbreviated as Huabei, as the name suggests, it is a product that provides spending services, Alipay users with a sesame credit score of more than 550 points have the opportunity to use Huabei services and enjoy the overdraft consumption experience of spending first and repaying later, but at the same time, they also need to control consumption, and they must not be squandered as a personal asset, because Huabei payment is an overdraft consumption service and must be repaid.
The second, the ant borrowed. Abbreviated as borrowing, as the name suggests, it is to provide the service of borrowing money, users with more than 600 points can open the borrowing service after getting the invitation of the system, and when they are in urgent need of capital turnover, they can directly withdraw the amount granted by borrowing to the card for use. Since the interest is calculated on a daily basis, it is not recommended that you use the borrowing function to borrow money at will when you have to do so.
The third, good gold bag. It is also a reference to the sesame credit score and a good gold bag, which requires a sesame score of more than 400, no matter hey, although the good gold bag is provided on WeChat through the public platform, but in essence it is not much different from borrowing, it is a credit service in the Internet era, with a limit of 20,000 to 200,000, and it can be recycled with borrowing.
To sum up, all Internet consumer credit services that can only be used with reference to the authorization of Sesame Credit Points, Sesame Points are its most basic requirements, and when Sesame Points cannot meet the requirements, the corresponding services will also be terminated, which is the basic standard for Huabei Borrowing to shut down services. So is it possible to use this kind of service as long as the sesame seeds are high, and Huabei can borrow it?Actually, no, let's take a look at some of Huabei's other shutdown standards.
1. If you do not use the Huabei borrowing service in accordance with the corresponding regulations, you may be closed at any time. As the saying goes, there are no rules, whether it is Alipay or Huabei borrowing. As a consumer financial service, Huabei is very similar to the overdraft consumption function of traditional credit cards, we know that credit card cashing is illegal, and Huabei cashing out is not allowed, once the system detects similar behavior, then Huabei borrowing will face the possibility of being shut down.
In addition, the funds lent from borrowing can only be used for daily consumption, and cannot be used for investment and financial management, buying a house or a car, etc., and even now it cannot be used to repay mortgage loans, such as housing loans, car loans, etc.
2. The abnormal Alipay account will also lead to the closure of the Huabei borrowing service. Since the birth of Huabei borrowing more than eight years ago, it has been parasitic on Alipay to provide services, if there is an abnormality in the Alipay account, it will also affect the use of Huabei borrowing.
Therefore, we must strictly abide by the relevant regulations when using Alipay, and we cannot buy and sell Alipay accounts, nor lend them to use, let alone use Alipay to engage in illegal things.
3. Planning your own financial situation is the basis for continuing to use Huabei borrowing services. Although Huabei borrowing theoretically relies on good personal credit without any guarantee and mortgage, it actually takes into account the user's financial situation, that is, the user's ability to repay. When the user's debt is too high, it will lead to a decrease in repayment ability, and then the phenomenon of Huabei borrowing service being shut down.
Therefore, it is not surprising that when your debt is too high, the Huabei borrowing service is shut down by Alipay. As a service for commercial operations, Huabei borrowing also needs to consider the risk of borrowing, and the comprehensive collapse of many users' borrowing debts began with the closure of Huabei borrowing, which is a cruel reality.
Fourth, finally, for those users who do not have the need for Huabei borrowing services at all, there may also be a situation of being shut down, the reason is still the same, Huabei borrowing is for the purpose of profit, only open to users who need and use it well, and users who do not need to use it will also be cleaned up from time to time.
All in all, the shutdown rules of Huabei borrowing service still follow the most basic business underlying logic, for ordinary users, Huabei borrowing can only be the icing on the cake, and it can help us solve some small problems in daily life when necessary, but don't expect Huabei borrowing to send me charcoal in the snow, and I can't rely too much on consumer credit services like Huabei borrowing. What do you think about this? Welcome to leave a message to discuss.