Then I m overdue, how can I turn it on again if I accidentally close it

Now many people have opened Alipay's Huabei, and users who have opened Huabei use Alipay to make offline payments or **, Tmall shopping, as long as the merchant supports Huabei payment, then users can overdraft Huabei's credit line for payment, and repay before the 10th of the next month, so they don't have to pay any overdraft interest.

Although many users like to use Huabei for consumption payment, they think that it is a very convenient payment method and can also appropriately alleviate their financial pressure. However, there are also some users who don't like to get used to using Huabei's payment method, thinking that it is troublesome to repay every month, and they are also worried that if they forget to repay, it will affect their credit situation, so they want to close the Huabei payment they have opened.

Alipay supports users to close their own Huabei when they settle all the bills of Huabei, if users want to close their own Huabei, they can follow the steps below:

1. Log in to your Alipay and click "My" in the lower right corner of the home page;

2. Find "Huabei" on the "My" page and click to enter;

3. Click "Settings" in the lower right corner of the Huabei page;

4. Then click "Other" - "Close Huabei" at the bottom of the settings page;

5. After clicking to close Huabei, you can jump to the Huabei closing prompt page, and click Confirm to close your Huabei.

After the user closes his Huabei, he cannot pay with Huabei when he uses Alipay to pay in the later stage, and can only pay through the user's Alipay balance, Yuebao and bound bank card.

After some users close Huabei, they have the need to use Huabei in the later stage, so they want to open their own Huabei again. Users only need to enter Alipay's Huabei page, click agree to open Huabei, and then open Huabei again.

Hello, if you accidentally close Huabei, whether it can be opened again will be evaluated by the system, and manual intervention cannot be carried out, please refer to the page display. If Huabei is restricted by the system due to overdue or other reasons, whether it can be restored again will also be evaluated by the system from time to time, and it needs to be continuously monitored.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Options. Step 2: Click on "My Bills" and the current amount will be displayed.

Step 3: The bill shows repayment on the 9th of each month, you can repay before the 9th, but you can't repay after the 9th, and then click Early Repayment.

Step 4: After entering the payment page, select the repayment amount, then confirm the repayment, select the payment method, then click "Repay Now", and then enter the payment password.

Huabei must remember to repay on time, failure to repay on time will be fined, serious will also lead to Huabei reduction or closure, etc., and will also lead to sesame credit score.

Drop points. Although sesame seeds.

It's not a credit report, but it's the same as a credit report, and now many online loan applications need to look at the sesame score, and if the sesame score is too low, you can't apply.

Huabei's overdue will also affect the user's Internet Black Index score, if the Internet Black Index score is too low. A low score on the Internet black index will not only affect the success rate of the mortgage, but also affect the user's Huabei and borrowing.

will even cause Huabei and borrowing to be closed.

Online loan blacklist.

The impact on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line.

Estimates and other important data information, etc.

Compared to the central bank's personal credit report.

The scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

1. Adjust the repayment date.

When the borrower's Huabei is overdue, you can choose to adjust the repayment date in the personal page - Huabei - Settings. The repayment can be adjusted to the end of each month at the latest. By adjusting the repayment date, borrowers will have more time to raise money.

However, it should be noted that the platform requires borrowers to submit an application for adjusting the repayment date of Huabei in advance, and the repayment date can be adjusted after the platform approves it.

2. Bill installment.

Huabei's bills can be installmented, and installment will incur handling fees. If the borrower really has no way to repay the Huabei bill, he can apply to the platform for installment repayment according to his repayment ability. Huabei supports four installment periods.

The longer the installment period, the lower the handling fee for the installment.

3. Apply for negotiated repayment.

If the borrower is really unable to repay the Huabei bill, he can also choose to apply for repayment with Ant Financial's customer service. Although Huabei does not support negotiated repayment, after the borrower is overdue for more than 90 days, he can formulate a relatively complete repayment plan according to his financial strength, and then negotiate with the collector.

The main purpose of the collector is to collect the arrears, and as long as the borrower can maintain a good willingness to repay, the collector and Ant Financial are also willing to accept the negotiated repayment.

It's useless.

Because you are overdue, the Huabei function is temporarily closed. You can only standardize the follow-up consumption behavior, use more credit services such as shared bicycles and reserve funds, repay the loan in time, and increase your own credit, so that the ban can be lifted as soon as possible, and the system will reopen Huabei for you.

If it's useless, Huabei is generally overdue within a week, closed for 3-7 working days, and opened directly; It will be closed for about a month within one month after the deadline. If it is overdue for one month to three months, the Huabei function will be closed directly, and the credit score of the opening date needs to reach the minimum condition of 450 points, and the application can be opened within 3 working days after the background is reviewed. After closing, re-review and open, which requires manual review!

Huabei is now used by people in all aspects of their lives, but some people are unable to pay off the arrears on time because of excessive use of Huabei, which makes the consumption too high and cannot pay off the arrears on time. Therefore, some people asked: How to reopen Huabei if it is deactivated after it is overdue?

I'm here to answer for you today.

1. Pay off the arrears as soon as possible

If you want to reopen Huabei, you must pay off the arrears first, and the sooner you pay off the arrears, the sooner it is possible to reopen Huabei.

2. Increase the activity of your account

Because once the system closes your Huabei application window, there is no human intervention, and only the system can judge whether it can reopen Huabei for you based on your credit history. Therefore, if you want to use Huabei again, you must increase the activity of your account.

Therefore, you can use Alipay, borrow, Yuebao, etc. as much as possible, and increase the activity of the account by using Alipay more, which will help to pass the comprehensive evaluation of the system, and the comprehensive evaluation of the system will be qualified, and Huabei can be reopened.

3. Maintain a good credit record

Because your Huabei was deactivated because it was more than overdue, which affected your personal credit history, so if you want to reopen Huabei, you have to ensure that you have been repaying on time in the case of using Alipay more.

Once Huabei is deactivated, it is not so easy to reopen. Therefore, when using Huabei, you must remember to repay on time, develop a good habit of repaying on time, and never overdue. Otherwise, it is very troublesome to reactivate it after deactivation.

OK.

If Huabei is frozen after it is overdue, you can wait for a while after paying off the arrears to see if the frozen amount will be restored. If it is not restored, it is estimated that the previous overdue circumstances are more serious, so the quota cannot be restored in a short time. If you want Huabei to resume use, customers will have to maintain credit in the future.

Ways to boost your credit.

1. Customers can improve their credit by doing more small credit tasks and performing on time.

2. Use Alipay more and continue to maintain the activity of your account.

3. If there is still an unpaid credit in your name, you should also remember to repay it on time to avoid overdue again.

The timing is uncertain.

After Huabei is overdue, the system will directly restrict the use of Huabei's functions, and the system will evaluate whether it can resume use from time to time after paying off the arrears, and manual intervention cannot be made. So there is no exact time to resume use again. It is advisable to repay the loan on time to avoid overdue.

Huabei will be charged an overdue fee if it is overdue, and if you make late repayment, it will mainly affect your Sesame Credit, reduce your limit, or close the credit payment. In the middle of the overdue, there will be a customer service call to collect the money for you, and if you still don't repay or have no intention of repaying, you will sue. Therefore, it is prudent to repay the loan in time, and if you can't repay the whole amount, you can choose to repay the loan in installments first.

Generally speaking, if the number of overdue days of Ant Huabei is relatively short, such as within 7 days, after paying off the overdue loan, the Ant Huabei function can be used normally. But if it is overdue for 30 days, then you can never use Ant Huabei.

1. After Ant Huabei is overdue for 7 days.

After Ant Huabei is overdue for 7 days, the user will be temporarily unable to use Ant Huabei, and the user will return to normal after repaying the overdue amount.

2. Ant Huabei is overdue for 30 years.

After Ant Huabei is overdue for 30 days, users will have to pay off the overdue amount and will be permanently unable to use consumer credit products such as Huabei and Tmall installment.

Some people do not have Ant Huabei after ten days of overdue, this situation is also normal, if you pay off the loan and communicate with customer service to see if you can reopen Ant Huabei. If it is another situation, you can contact Alipay customer service to review and activate again. If you want to use Ant Huabei all the time, you must repay the loan on time (before the 10th of each month).

There are three main impacts of Huabei's overdue:

1. Functional limitations: The Huabei function will not be available, and whether it can be restored after subsequent repayment will be evaluated by the system from time to time, and manual intervention cannot be made.

2. Negative records: Overdue records will be reported to Sesame Credit, which will affect Sesame points; At the same time, for users who have been connected to the central bank's credit information in Huabei, the overdue records will be truthfully uploaded to the central bank's credit information system in accordance with regulations.

3. Overdue interest: overdue fee = overdue principal * overdue days *.

If you have the need to borrow, you can consider borrowing big brand credit such as borrowing and Du Xiaoman Financial Money. Du Xiaoman Finance has money to spend is easy to apply, fast to lend, flexible to borrow and repay, and users can take the initiative to apply. Du Xiaoman Finance has transparent interest fees for money to spend, reliable interest rates for big brands, and a maximum borrowing amount of 200,000 yuan, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider Du Xiaoman Financial Money, which is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

1. Find the "Alipay" app on the desktop of the mobile phone and click to open it.

2. Find it in the Alipay My Slow Dan Match interface"Huabei"option, click to enter.

3. In the Huabei interface, find the option of "Agree to the agreement and open Huabei" and click it.

4. After that, enter the payment password of Alipay.

5. After the input is completed, you can open Huabei and get the corresponding Huabei quota.