How to close Huabei for life, how to close Huabei permanently

The path to close Huabei is as follows:

It should be noted that before closing Huabei, it is necessary to settle all the arrears of Huabei, and if there is a transaction that has not confirmed the receipt, it will be closed after the receipt and repayment are confirmed. In addition, after Huabei is closed, whether it can be opened again will be evaluated by the system, and the previous bill cannot be queried, please be cautious.

After the closure of Huabei, if you need money urgently, you can consider using Alipay Borrow, Tencent Micro Loan, and Du Xiaoman Finance to borrow money. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan a day is as low as 2 yuan, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers (click to enter the official money to learn more).

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.

1.First of all, open Alipay and select [My] on the Alipay homepage, and select [Huabei] in the personal center to enter the service page. 3.

Then click [My] in the bottom right corner. 4.Then click [Other] at the bottom.

5.After entering, we click on [Close Huabei].

The steps to permanently close Huabei are as follows:

1. Open Alipay;

2. Click the [My] button;

3. Click the [Huabei] option;

4. Click the [My] button in Huabei;

5. Click the [Other] option at the bottom;

6. Select the [Close Huabei] option.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, you will receive a consumption quota ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later".

The benefits of using Huabei are as follows:

1. Charging phone bills, charging phone bills is a service that everyone needs, Huabei supports the operation, for example, some people can use Huabei to recharge first in order to prevent non-downtime when the cost of living is tight;

2. Pay water and electricity bills, whether it is rented or self-owned, paying water and electricity bills is a must in life, and Huabei has already opened this service;

3. Buy tickets, whether it is train tickets, bus tickets or air tickets, movie tickets, etc., you can buy them with Huabei first;

4. Booking a hotel is a necessity for people who often travel or travel, and it supports Huabei settlement after booking;

5. Offline use, at present, Huabei's offline consumption scenarios are increasing, and it can be used and consumed in different stores, which can meet the needs of different users;

6. Release your own funds, you can use your own funds for financial management, first use Huabei to consume, and next month is still in the interest-free period, so that you can not only maintain a normal life, but also make money.

The tips for increasing the quota of Huabei are as follows:

1. Complete the sesame task to increase the Huabei quota;

2. Improve personal information, education, income, job and other basic information to supplement and complete the Huabei quota can be increased;

3. Increase the activity of Huabei, and choose to use Huabei to pay to a large extent to increase the activity;

4. Appropriate purchase of ** wealth management products can improve Alipay sesame credit, the higher the creditworthiness, the faster Huabei's amount increase;

5. Huabei should be used frequently, and Huabei can be used for online shopping and offline merchant payment. The system will also increase the user's usage limit through the frequency of use of Huabei.

Operating Environment: Brand: Apple 12

System version: iOS14

Alipay version,

If the user takes the initiative to close Huabei, it is generally not possible to close it for life, and can only be closed temporarily, and the customer can still apply for re-opening after that (whether the activation can be successfully depends on the system evaluation results). However, if the customer does not plan to use it again after closing Huabei, then as long as he does not apply for re-opening.

Of course, you need to pay attention to the fact that sometimes the use of Huabei is inappropriate, then Huabei may be banned, and some serious circumstances may be permanently banned.

For example, it is overdue for a long time, overdue for more than 90 days, and it is not repaid after repeated collections, and the overdue amount is also very large; I also always use Huabei to cash out, and I have a lot of quotas. In these cases, the system is likely to permanently block the user's Huabei, and it will be difficult for the user to open Huabei in the future. Customers should avoid these bad behaviors when using Huabei, and should maintain personal good credit, after all, the use of Huabei will be reported to Sesame Credit, if it is not used properly, it will affect Sesame Credit.

In the medium term, an email will be sent to make a "non-existent" legal threat. In the middle and late stages, it will affect your **normal shopping and freeze your seller rights. Later, your identity information will be frozen.

The following circumstances cannot be cancelled: the account has a sub-account, the account cannot be cancelled (including the balance of Jifenbao), and the transactions that have not been carried out in the past 90 days cannot be cancelled, including the transactions that have been completed but can be refunded (accounts with a successful status of payment transactions in the past 15 days cannot be cancelled, and accounts with a successful status of transfer transactions in the past 15 days cannot be cancelled) Account binding** The member name or Alibaba Chinese station member name cannot be cancelled The account cannot be cancelled when the account is opened in Ant Huabei.

As long as Ant Huabei pays off all the repayments, there is no impact on the cancellation without arrears, but after the cancellation of Huabei, it is necessary to decide whether to open the Huabei function according to Alipay's review, Huabei unpaid bills cannot be cancelled, and only after all bills and all arrears are paid off can it be cancelled, and there is no impact on individuals after cancellation. It will be more difficult to cancel Huabei and then open it, the system will determine that you no longer need the Huabei function, in addition to this impact, it will not be a problem for individual users, so if you want to cancel Huabei, you can rest assured to log out, don't worry about any problems.

Now many users want to close Huanbei for two reasons, the first is that they don't need to use Huabei, and the second is because Huabei will increase their own consumption, thereby increasing their economic pressure.

1. Don't use Huabei: Some users may open Huabei just because of curiosity, or because of Alipay's activities to open Huabei, after opening it, they find that they usually have few opportunities to use Huabei, and they are also worried that they will use Huabei to pay without knowing it, which will cause them to forget to repay the loan later and cause it to be overdue, so such users will choose to close their Huabei.

Second, Huabei causes an increase in consumption: Some users may not have a very good consumption plan when consuming, plus there are many various consumption activities launched by Tmall every year, such as double 11, double 12, etc., so impulsive consumers may not consider their current economic situation when they encounter activities and open Huabei, and will use Huabei for consumption first, thinking that they will repay next month anyway, which will lead to more and more purchases, and in the end the repayment pressure is increasing. He even bought some goods that he didn't need very much, which caused his bad consumption habits, so in order to avoid his later consumption not being restricted, he chose to close his Huabei.

Extended information: Precautions for opening Ant Huabei:

1.Huabei is not able to be opened by other people, so do not trust others, leak personal information, in order to prevent affecting personal credit history, Huabei is Alipay's credit payment method, any bad use will affect personal credit history, so cherish precious credit. If Huabei is not used for a long time, Alipay will take the initiative to close the Huabei service because it believes that the user's demand for Huabei is small in the system evaluation every month; If a user's Huabei is not used for a long time, then it is naturally not an active customer, and for such a user, the system may not recover the Huabei quota, but don't think about it if you want to raise the amount of Huabei in the future.

2.After opening Ant Huabei, when shopping, choose those items that can support Ant Huabei services, and there are some items that do not support Ant Huabei payment, which can be seen when shopping. Then when Alipay pays, as long as you choose to use Ant Huabei to pay, if you don't find Ant Huabei to pay, you can find more ways to pay, you can find Ant Huabei to pay.

After buying the item, as long as you wait to repay Ant Huabei, after confirming the purchase of the item, the repayment date is on the 10th of the next month, at present, Ant Huabei is based on the time of receipt to determine the date of repayment, if there is no repayment on the specified date, the system will automatically deduct the payment, when repaying, click on Ant Huabei, enter the password of Alipay to complete the repayment operation.

After Huabei is closed, you only need to log in to Alipay on your mobile phone, enter the Huabei page, and check the activation option to re-activate.

The full name of Huabei is Ant Huabei, which is a consumer credit product launched by Ant Financial, and after applying for opening, you will get a consumption limit ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later". In order to re-bloom smoothly, customers must pay attention to maintaining good personal credit, and can participate in more credit tasks to improve Sesame credit score; It is also necessary to use Alipay more to ensure the activity of the account; You can also save more money into Alipay, appropriately purchase some Yuebao wealth management products, increase personal assets in Alipay, and also provide some help to improve the system score.

However, manual intervention in the results of the system evaluation cannot be carried out, and if the reopening fails, you can only continue to accumulate more good records, and continue to pay attention to the follow-up. In fact, if the customer thinks that there is a need to use it in the future, but it is not used temporarily, there is no need to cancel the account directly, and it will not have much impact if Huabei is not used, and it will not generate a fee reputation.

When many people use Huabei to cash out, they buy virtual goods in the store, and then the seller will charge a certain handling fee. However, there are many merchants on the market who pretend to help Huabei cash out, and after the buyer Huabei pays, they directly block the buyer and do not send the amount to Alipay's account. Even if the user successfully cashes out Huabei, the handling fee is very expensive, and many merchants charge 15% of the handling fee.

Not to mention that follow-up users still need to pay back Huabei on time, which obviously outweighs the losses.

Huabei 8,000 yuan installment for 6 months has an interest of 704 yuan. Huabei installment should be seen from the interest of each month, in fact, this interest is also very easy to calculate, as long as the interest of each month is calculated, you can know this interest, the interest of each month is the total amount of the principal multiplied by dividing by 6 to get the number, the interest of each month is more than 100, of course, the total interest will be 704 yuan.

Operating Environment: Brand: Apple 12

System version: iOS14

After the Huabei borrowing service user closes independently, he can apply again, but the system needs to re-conduct a comprehensive assessment and meet the requirements, and it can be opened successfully, and if it does not meet the requirements, it will not be successfully opened.

Although the page may still display the available credit after the restriction is successful, it cannot actually be used for borrowing, so users need to consider it carefully before choosing to close it permanently. If the user just doesn't want to use it temporarily, he can log out or log out temporarily, and there is still a chance to open it again if he wants to apply for it later.

In addition, now the application for Huabei borrowing page will clearly indicate the user's borrowing interest rate, because each user's situation is different, so the approval interest rate will be different, and the user can judge whether it is reasonable and whether he has the ability to repay according to the annual interest rate displayed on the page.

After borrowing, you must take the responsibility of repayment, and do not overdue the repayment on time, otherwise it will be reported to the personal credit report, which will leave a bad credit stain record.

Extended Information] Huabei's full name is Ant Huabei, which is a consumer credit product launched by Ant Financial, and after applying for opening, you will get a consumption limit ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later".

On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, which is also the first Internet consumer finance ABS on the Shanghai Stock Exchange.

As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan, increasing the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would be open to banks and other financial institutions.

On September 22, 2021, Huabei has been connected to the central bank's credit information system, and it will not be available if the user refuses to access it.

Officially launched in April, it is mainly used for shopping on Tmall and **, and has been loved by the majority of consumers, especially post-consumers. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas.

Ant Huabei has only been online for half a month, and more than 1.5 million merchants have opened Huabei on Tmall and **. Many merchants who respond faster have begun to modify the description of the baby and directly add the words "support Huabei", in order to attract consumers more accurately. The person in charge of Durex Tmall*** told reporters that for new users of Ant Huabei, a product specially launched sold more than 10,000 copies a day, and the inventory was sold out for a week.

The data shows that after merchants access Ant Huabei installment, the transaction conversion has increased by 40%.