Why did you close Huabei? Will Huabei close

I've been using Ant Huabei for three years. Two days ago, I finally made up my mind to close Ant Huabei. I made this decision because I weighed the pros and cons and found that Ant Huabei was more harmful to me, making me spend more unjustly money, so I decided to cancel the use of Huabei.

Do you have such a feeling: you don't feel distressed when you buy things and use Huabei, but when you return Huabei on the 9th of every month, you are surprised that you have used so much money. I sometimes use a calculator to add the numbers one by one, and the result of the check is that I have indeed spent so much money.

If there is a flower, there is a borrowing. Tut-tut. I have to admire Ma Yun's father's awesomeness, he not only wants you to spend more but also makes you overspend, and when you can't afford to pay Huabei, you have to charge your installment interest.

In other words, you yourself are a slave to the desire to shop. The money saved every day is silently taken away by interest.

Huabei is an advanced way of consumption, which is a relatively common existence in the United States or Western countries. In our country, under the influence of the traditional concept of consumption, the public has developed the habit of making money and then disappearing, so many people are a little resistant to the model of advanced consumption in the bottom of their hearts, after all, they still have to pay back after using Huabei to buy items.

Huabei is a product consumed in advance, which is both a benefit and a disaster for those who like to shop online. It is said to be a benefit because it can shop online conveniently and quickly, and solve your own financial inconvenience. In the event of a disaster, you will not be able to control your consumption.

When we use cash to pay, we will have a kind of inertial thinking, and after using one by one, Grandpa Mao will have a sense of crisis and loss psychologically, and feel that spending one is one less.

I didn't close Ant Huabei, but I just had an additional China Merchants Bank credit card, as long as I buy something, I will give priority to using the credit card to pay, so that I can accumulate credit and raise the amount faster. Huabei uses less, but it won't close him, you may be worried that having Huabei will make you a chopper, this won't, the key is that you control it yourself, buy things according to your ability, don't buy things that you don't have to buy, open less, your money will not be less. You are the master of Alipay, don't become his slave!

Huabei is limited to Alipay use, including online and offline, and the mode of use is relatively simple. Credit cards can be bound to almost all payment platforms, making consumption convenient. Moreover, some good credit card offline consumption activities are more, such as full reduction activities in supermarkets, restaurants, etc., and the wool given by these bank activities is much stronger than the reward of a few cents in Huabei.

There are also points, although Huabei also has corresponding points, but its actual use is not much. Some credit card points can be directly spent as money to redeem the goods you want, and the points are calculated differently in different payment scenarios. The rights and interests of Huabei seem to be relatively big, and many times they are not practical, which is a chicken rib.

It's not the same with a mobile phone for electronic consumption, you only need a finger click, a fingerprint press, how much amount of output will not cause great fluctuations psychologically, it may just be that the number has become smaller, plus I am usually used to online shopping, and I don't feel how much it cost to buy in the east and west, but when the monthly bill comes out, Xiaoliu has become the sea, and I have developed the habit of using Huabei to consume, resulting in a monthly income beyond my means.

Presumably everyone is no stranger to Huabei, many Alipay users are using, it is very convenient to use when paying, this month can be used next month, and there is no interest, which can solve the temporary needs of many people. Huabei is like a credit card, but it is a virtual existence, especially now that Huabei has added the function of raising temporary quota and Huabei face-to-face flowers, payment can be realized in many merchants and other scenarios, and the use of scenarios is more extensive.

Sometimes forgetting to repay will affect your credit, cause credit stains, and affect your future life! Of course, a very important reason is that the limit is too low, and it is not enough to simply turn off the credit card!

People who use Huabei know that the longest interest-free period of Huabei is about 40 days, the bill is issued on the 1st, the 9th or 10th is the repayment date, and the longest interest-free period is 41 days in the case of a 31-day month. The interest-free period of credit cards is usually 48 to 56 days, and credit cards have a longer interest-free period than Huabei. Assuming that the credit card is repaid at the beginning of the month, the consumption at the end of last month will definitely not be included in the current bill, and the repayment will be until the beginning of next month, and there will be another interest-free period in January, Huabei basically means that there is no interest-free period.

10 days after the bill date, it's still not easy! The quota is too small! Nothing useful!

Huabei will be forced to close, Huabei can be closed by the system or manually closed by the user, if the user manually closes, all the arrears of Huabei need to be paid off first. As long as the user has serious violations, such as not paying back the arrears for a long time, and often making false transactions to withdraw cash, even if the user's account still has Huabei arrears, the system will be forced to close. However, the forced closure of Huabei does not mean that there is no need to repay, the system will still automatically deduct the repayment on the repayment date, or the user will repay the loan manually.

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.

Extended Material: Why is Huabei closed?

1. Huabei will not be repaid after the deadline.

Huabei is the same as a credit card, after the overdraft, it needs to be paid off in full on the repayment date before the user can enjoy the interest-free rights.

The repayment date of Huabei is generally fixed, on the 9th or 10th of each month, and the repayment date cannot be modified. If Huabei is overdue for 20 days and has not been paid off (the repayment amount is less than the minimum repayment amount, and no installment has been applied), Alipay will collect it in the form of **, if the collection is fruitless, then, yours will be blocked, and Huabei will be permanently closed.

Second, there are long-term problems with security.

Although Alipay is a third-party payment platform, it also has financial functions such as wealth management and deposits.

Although Alipay provides account security insurance, Alipay is not a "charity", and there are unreasonable situations in account security, which can only block you. In this case, your Huabei, borrowing, etc. will naturally not be used.

Operating environment: brand model: Huawei P30

System version: harmonyOS

Software version: Alipay.

Huabei can be turned off. Huabei is a personal consumption credit loan product in Alipay, if the user wants to close Huabei for some reasons after opening Huabei, then you can directly close Huabei through Alipay on your mobile phone, the specific steps are as follows:

2. After logging in to your personal account, find the "My" option at the bottom right of the Alipay homepage, and click to enter the "My Bi Order" Jiefen Ji Pure Noodles;

3. Find the "Huabei" option on my page and click to enter the Huafeng Shenbei page;

4. After entering the Huabei page, click "My" at the bottom right of the page, and then select the "Other" option;

5. After clicking "Other", the page will give you the option to close Huabei, click "Close Huabei";

6. Then follow the system to improve step by step, and then close Huabei.

When the user applies for the closure of Huabei, it should be noted that all the arrears of Huabei need to be paid off in advance, and when closing Huabei, there must be no outstanding order transactions, otherwise Huabei cannot be closed.

The steps to close Huabei are as follows:

1. First open Alipay, find the "Huabei" option in the menu bar of the "My" page, and click on the option.

2. Also find the "My" option in the lower right corner of the Huabei page, and click to enter.

3. Then slide to the bottom of the menu bar of the "My" page, find the "Other" option button, and click to enter.

4. Then you will play Hu Lu to set up a white conversation box, select "Close Huabei", and enter the next step.

5. Then find the white button in the bottom left corner, labeled "I still want to turn off" option, and click on the option.

6. Select a random reason for closing on the page below, and then click the "I still want to close" button in the lower left corner again.

7. Finally, enter the page shown below, and click the "Confirm Close" option button in the lower left corner again to close Alipay pants and take Huabei.