In the ocean of digital payment, Alipay is like a giant ship, carrying the wealth dreams of hundreds of millions of users. Recently, the two special cabins on this giant ship, Huabei and Borrow, have issued new shutdown rules. Let's explore the secrets of these rules together and see how they will affect our voyages. 
Let's unveil the new veil of Huabei. What are the new rules of Huabei, a magical tool that allows many consumers to enjoy "chopping hands first, then paying"? To put it simply, if your Huabei account has not had any transactions for 12 consecutive months, then Alipay may close your Huabei service. It was like a lifebuoy that was not used for a long time on the ship, and the captain decided to put it away for safety. 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 Jinbei on the WeChat public account to replace Huabei to borrow, and the amount given is high and convenient, if there are friends who know or have opened it, leave it for comments, let everyone open it. 
And for those users who occasionally use Huabei, there is also a warm reminder: if your Huabei bill is overdue, Alipay may suspend your Huabei function. It's like encountering a storm while sailing, and in order to avoid a greater risk, the captain will order the canopy to be temporarily retracted. Next, let's take a look at the new route of Borrow. What about the new rules for Borrower, the financial partner that provides instant loan services? If your borrowing account does not borrow or repay any money for 6 consecutive months, then Alipay may close your borrowing service. It's like a crew member who hasn't been involved in the voyage for a long time, and the captain may consider disembarking them. For those users who like to "borrow and repay", there is also a warm reminder: if your borrowing is overdue, Alipay will not only charge overdue fees, but also may limit your future borrowing amount. It's like accidentally hitting a reef while sailing at sea, and the boat can continue to move forward, but the speed and load will be affected. 
How should we respond to these new rules? First of all, check your Alipay account regularly to ensure that your Huabei and Borrower have a certain usage record to avoid being closed because they have not been used for a long time. Secondly, maintain a good credit history, repay the loan on time, and avoid unnecessary trouble caused by overdue. Finally, plan your spending and borrowing wisely, and don't let "spending" and "borrowing" become your financial burden. In this digital era, Alipay's Huabei and Borrower are undoubtedly our right-hand men for a convenient life. However, any tool needs to be used correctly to get the most out of it. Knowing these new rules is like mastering a sailing compass that will help us navigate farther and safer in the ocean of finance. Remember, smart consumers are those who know the rules and are good at using them. May you and I all become such voyagers, riding the wind and waves in the ocean of Alipay, and sailing to the other side of wealth. In this digital ocean, every user is the captain of the ship, and Huabei and Baobei are the tools to help us sail. Knowing these new shutdown rules, we can use these tools more wisely and make our sailing smoother. Remember, instead of passively accepting changes to the rules, we should actively adapt and take advantage of them so that we can ride the wave of digital payments.