In the contemporary era of digital payment, Huabei, as a credit consumer financial product under Ant Financial, has been loved by consumers because of its convenient use and relatively relaxed repayment terms. However, the latest shutdown standards recently launched by Huabei have attracted widespread attention from the society, and some users are unable to continue to use the service because they do not meet the new standards, which undoubtedly has an impact on some netizens who rely on Huabei for daily consumption. 
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. Huabei's new shutdown standards mainly involve the user's credit evaluation, including repayment records, overdue times, credit limit utilization rate and other aspects. Together, these indicators make up Huabei's credit scoring system, and once a user's behavior touches the set red line, they may face the risk of having their account suspended. 
For those netizens who "step on the pit", they may eventually close their Huabei accounts due to various reasons, such as forgetting to repay, temporarily failing to turn over funds, or frequently overdrawing credit limits. This sudden change is undoubtedly a heavy blow to users who are accustomed to the "consume now, pay later" model. In the face of such a situation, what measures should users take to avoid risks? The first task is to raise awareness of personal credit management. Users should take the initiative to inquire and understand their credit reports, pay attention to the repayment reminders of the account in time, ensure that the repayment is made on time and in full, and avoid overdue situations. Second, plan your consumption reasonably, adjust the amount of credit consumption according to your own economic situation, and don't blindly follow the trend or overspend. In addition, check your Huabei account regularly and pay attention to any notices about policy updates to avoid unnecessary losses due to not being aware of the latest regulations. 
For affected users, although Huabei currently provides an appeal channel, users can submit an appeal according to the actual situation and try to restore the use of the account. However, the appeal process may involve a detailed review of the data, and the user will be required to provide the corresponding supporting materials to prove that he or she is eligible for reinstatement. As a result, the process can be lengthy and not guaranteed to be successful. Huabei's new shutdown standard reminds us that while enjoying the convenience brought by credit consumption, we should pay more attention to the maintenance and management of personal credit. A good credit history is not only related to the use of financial products, but also a reflection of personal reputation and responsibility. In today's increasingly popular digital life, each of us should realize that credit is gold, its value is far more than that, it will accompany us every step of the way, affecting all aspects of our lives. 
For those who have not been affected by the new standard, this is a warning and an opportunity to learn. Through this incident, we can have a deeper understanding of the importance of credit, as well as the prudence and self-restraint that should be taken when enjoying financial services. In the future, with the development of fintech, similar credit assessments may become more common, and each of us should be prepared to meet the challenges in the best possible condition.