Alipay, as one of the commonly used apps in the Internet era, has already exceeded the billion mark, and now it is not only a payment software (including online payment and offline mobile payment), but also a consumer financial service platform, of which Huabei and borrowing are well-known services. Among the many Huabei borrowing users, in addition to paying attention to the rise and fall of Huabei borrowing quota, that is the matter of Huabei borrowing being shut down. What are the reasons for the sudden shutdown of the Huabei borrowing service, or why it was shut down, has become the focus of everyone's attention, and let's talk about the rules for the use of Huabei borrowing to avoid the above situations.
Huabei and Borrowing are both consumer financial services under Ant Group, and they can only be used with reference to the authorization of Sesame Credit Score, and at the same time, the popularity and widespread use of Huabei Borrowing has also pushed Sesame Credit to a new level. Nowadays, there are more and more services that refer to the authorization and credit of Sesame Credit Points, and there are their own differences and differences, so let's take a look at several actual consumer financial services that currently adopt Sesame Points, and maybe your subsequent use will help.
The first one, Ant Huabei. Alipay users with a sesame score higher than 550 points have the opportunity to use Huabei services, Huabei mainly provides overdraft payment services, which is not as good as our online shopping, ** payment, and offline payment, you can use Huabei to pay, and then repay on time after the next month's bill comes out, and at the same time, it will not incur any additional costs, which has become the preferred payment method for many young people.
The second, the ant borrowed. The requirement for borrowing sesame points is more than 600 points, borrowing has always been following the official invitation opening system, Alipay users who get the invitation can open the borrowing service, when cash turnover is urgently needed, Huabei can not be used for cash, borrowing is just to make up for this shortcoming, users can directly withdraw cash to the card after free disposal, the use of borrowing is more flexible, but at the same time, the corresponding interest will be charged on a daily basis.
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. Only when the sesame score is below 400 points will it be shut down, and the low threshold is the main reason for its success.
Among the above sesame services, whether it is Huabei or borrowing, etc., the requirements for sesame points are different, and at the same time, the shutdown standards of these services are also different. That is, if Huabei is lower than 550 points and Borrower is lower than 600 points, it may lead to Huabei or Borrowing being shut down for service, which is the first reason why Huabei Borrowing is shut down.
The second major reason for the closure of Huabei borrowing service is that users do not use Huabei borrowing in accordance with the corresponding rules, according to the requirements of consumer finance for Huabei borrowing, Huabei can only be used for Nissan overdraft consumption, and cannot be used for cash through false transactions and other means. In addition, the funds lent from borrowing are not allowed to be used for investment and financial management, buying houses and cars, etc., otherwise once the system detects the whereabouts of the funds, it will also lead to the closure of Huabei borrowing services.
The third reason is that the user's debt far exceeds its income, and the repayment ability is insufficient, which can easily lead to the closure of Huabei borrowing services. For example, a user's monthly income is only about 5,000 yuan, but the total debt has exceeded 500,000 yuan, and his income is not enough to support such a high debt, which will be a huge loan risk for the lender, so the service will be shut down. It should be noted that the liabilities mentioned here are not only the arrears of Huabei borrowing, but also the arrears of all other consumer financial services, as well as credit card and other liabilities.
The fourth reason. Users with abnormal Alipay accounts are also likely to cause Huabei borrowing to be shut down. The Alipay account abnormality mentioned here mainly refers to the account security and the phenomenon that the account is involved in violations of laws and regulations. For example, accounts frequently log in and trade in different places, abnormal funds are frequently transferred in and out, and transactions involving illegal goods may lead to Alipay being restricted from being used and Huabei borrowing services being shut down.
So, when Huabei borrowing is shut down, what should I do if Alipay still owes money? Don't you have to pay it back? First of all, no matter what reason Huabei borrowing is shut down, if Huabei borrowing still has arrears, it needs to be returned. Secondly, when Huabei borrowing is shut down, the repayment channel of Huabei borrowing will not be closed, that is, it will not affect the normal repayment of Huabei borrowing. In the end, there is only one situation where Huabei borrowing still has arrears that can not be repaid, that is, when the Alipay user has unfortunately passed away, and there are no assets and heirs that can be used to repay the debt, in this case, the money owed to Huabei borrowing can be returned without returning.
Huabei borrowing was shut down for the above four main reasons, of which there is only one situation that can not be returned, what do you think about this? How much do you borrow from Huabei now? What other shutdowns have you encountered? Welcome to leave a message to discuss.