In today's society, with the rapid development of Internet finance, Huabei and Borrow, as the two consumer credit products launched by Alibaba's Ant Financial, have been loved by users for their convenience and flexibility. However, any financial product has its rules for use, and violating these rules will not only affect an individual's credit history but may also lead to the closure of the service. To this end, it is necessary for us to understand and abide by the shutdown rules of Huabei and Borrow, so as to safeguard our own rights and interests and social and financial order.
The first rule is to avoid late payments. Late repayment is one of the most intolerable behaviors of Huabei and borrowing. If the user fails to repay the loan within the agreed time, the system will automatically record the overdue behavior.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used the self-flower on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient.
Frequent overdue payments not only incur additional penalty interest, but also affect the user's personal credit score, and in severe cases, even lead to the account being frozen. Therefore, it is the responsibility of every user to plan their finances reasonably and ensure that they repay on time.
Secondly, cash-out and illegal use are prohibited. Huabei and Borrower are essentially designed to support users' daily consumption and emergency capital turnover. Some users try to use funds in other non-consumer areas through false transactions, cash-outs and other means, which violates the original intention of financial services and undermines the market order. Once discovered, users will face corresponding penalties, including but not limited to reduced quotas, account suspension, and other consequences.
Finally, never apply and cancel frequently. Some users may frequently apply for and cancel Huabei and borrowing due to dissatisfaction with the quota or other reasons, which will be regarded as an abuse of financial services. Frequent operations will not only cause unnecessary trouble to the users themselves, but may also trigger the risk control mechanism, resulting in the review or closure of the account.
To further illustrate the importance of these rules, let's take a look at the comments of the following netizens:
Netizen A said: "I once missed the repayment date due to a moment of negligence, and as a result, not only did I incur a late fee, but my credit score was also affected. Now I've set up auto-repayment and I've never had a problem with it again. ”
Netizen B shared: "I used to borrow money because I was in urgent need of money, but I used it strictly according to the specified purpose and repaid it on time. Now the quota has been increased, which is really convenient. ”
Netizen C reminded: "I have a friend who was discovered by risk control because he often cashed out, and now even the most basic payment functions are restricted. It is important that you use these financial instruments in compliance with the law. ”
It is not difficult to see from the comments of netizens that the reasonable use of Huabei and borrowing, and strict compliance with the shutdown rules, can not only ensure personal financial security, but also enjoy more convenience and discounts. On the contrary, the consequences of violating the rules are serious, not only affecting personal credit, but also potentially losing these convenient financial services.
To sum up, Huabei and Borrow, as modern financial products, provide us with great convenience. However, while enjoying the convenience, we must also comply with the relevant usage rules to avoid improper behaviors such as late repayment, illegal use of cash, and frequent application and cancellation. Only in this way can we maintain a good credit history and promote the financial health of individuals and society while enjoying our services.
In this era of information, we should tell each other and jointly maintain a good financial environment. Let us move forward hand in hand and create a better future on the glorious road of smart finance.