Huabei, as a credit payment product under Alipay, is deeply loved by the majority of users because of its convenient and fast characteristics. However, some users have recently reported that their Huabei service was suddenly shut down, and they are confused and uneasy about this. Today, let's take a look at the possible reasons why Huabei was shut down, as well as some shutdown rules that you may not know about. 
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 Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient. The opening and closing state of Huabei is affected by many factors. The most important of these is the user's credit assessment. Alipay will regularly review the user's credit status, and if it finds that the user's credit score has dropped or there is a situation of overdue repayment, it may take measures to close Huabei to control the risk. 
Abnormal account activity is also an important factor that triggers the closure of Huabei. Including but not limited to frequent changes of bound mobile phones, remote login and other abnormal operations, the system may take the initiative to close the Huabei service in order to ensure the security of the account. The user's usage habits will also affect the opening status of Huabei. For example, if you haven't used Huabei for a long time or use it too infrequently, the system may think that users don't have much demand for Huabei and shut down the service to optimize resource allocation. 
How to avoid Huabei being accidentally closed? We need to do the following: maintain a good credit history: repay the loan in a timely manner to avoid overdue;
Stable account operation: avoid frequent changes to account information or login in an insecure network environment;
Active use: Use Huabei in a timely manner to prove your actual need for this service;
Pay attention to the official notice: Stay tuned to the relevant policy adjustments of Alipay and Huabei so that you can respond in a timely manner.
The closure of Huabei is not without a trace. By properly managing personal credit, stabilizing account operation habits, and paying close attention to changes in relevant rules, users can effectively avoid the risk of being unexpectedly closed. Of course, if your Huabei service is indeed closed, don't be too anxious. Typically, the system will reassess whether to resume service after a period of time based on the user's performance. In the meantime, maintain good credit behavior, and maybe you'll receive good news for your reopening soon. When enjoying the convenience brought by Huabei, we should pay more attention to cultivating good credit consumption habits, which is not only to maintain the continuity of services, but also to be responsible for ourselves. After all, credit is an indispensable part of modern society, and maintaining one's credit will benefit a lot no matter what field you are in. I hope that every user can use Huabei rationally and enjoy the dividends brought by the development of science and technology.