What s the deal with Huabei that can only use 150?

Huabei limit of 150 may be because:

1.System Evaluation:

When using Huabei for consumption, in order to ensure the safety of funds, the system will comprehensively evaluate whether users can use Huabei to pay and the amount of payment according to the user's current transactions and scenarios. Therefore, the situation where the limit of 150 is likely to occur is because the system detects that the security of the current transaction scenario is not very high, so the payment amount is limited

2.Merchant Settings:

When the merchant opens Huabei to collect money, it may only accept transactions within 150 yuan. When the customer makes consumption and payment transactions at the merchant, Huabei is naturally likely to display a limit of 150.

3.Huabei has not been opened to collect money:

If the merchant has not opened the Huabei money collection function, the customer will use Huabei face-to-face flowers when spending at the merchant and paying for the transaction, and the limit will be 150. After all, Huabei face-to-face flowers can only be used when the amount of a single order does not exceed 150 yuan.

If the Huabei payment shows a limit of 150 and the transaction cannot be completed, the customer can choose to change a payment method to complete the transaction. For example, giving cash.

Huabei has a limit, and if your credit limit is not enough, you can only have a limit of 150 yuan, and the limit will be increased a little.

Huabei can only pay 150 each time, which is the limit set by the merchant itself, so that consumers can only pay for transactions within 150 when using Huabei in our store.

On January 18, 2022, Ant Group released the 2021 annual report of "Ant 315", stating that in 2021, Ant Group launched the special consumer protection action "Ant 315", starting from six aspects, including platform responsibility and product experience, and launched a total of more than 30 measures. According to the report, Huabei has sent a total of 100 million rational consumption reminders, and the average bill amount of users using this function has decreased by 5%. Borrowing allows users to reduce the amount independently, and the average borrowing balance of users using this function decreases.

The average daily risk warning of AI anti-fraud is 500,000 people.

Based on consumers' online shopping, payment habits, credit risks, etc., Ant Huabei grants users consumption quotas ranging from 500 to 50,000 through big data computing and risk control models.

Ant Huabei's quota is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. Ant Huabei cannot open or raise the amount through others, please do not trust others and disclose personal information.

On October 18, 2018, Huabei officially launched the "Quota Management" function, which allows users to adjust their Huabei quota independently according to their actual needs.

On November 12, 2018, Alipay APP launched a new function preview, saying that the Huabei deferred repayment function will be fully opened on December 1. To put it simply, the postponement of Huabei is equivalent to a simple transition, which can reduce the repayment pressure of the chopper to a certain extent.

On July 30, 2019, Alipay opened the appointment for the adjustment of Huabei's billing date and the corresponding repayment date: users who have signed a contract for more than one year in Huabei can enter the Huabei-my-repayment date setting after passing the system evaluation, and users can now choose to repay on the 15th or 20th of each month, and the billing date will be adjusted accordingly to the 5th or 10th of each month.

Huabei can only pay 150 how to adjust:

1) First open Alipay ( in the iphone13 phone version.

2) After opening Alipay, find the merchant service in My Interface.

3) After opening the merchant service, select Settings.

4) After opening the settings, you can see that Huabei collects money, and select Huabei to collect money.

5) After opening Huabei to collect money, choose to open and support Huabei orders of more than 150 yuan.

Extended Information] Huabei is a consumer credit product launched by Ant Financial in April 2015, and users can get a consumption limit ranging from 500 to 50,000 yuan after applying for it.

Ant Huabei has been officially launched since April 2015, 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.

On May 19, 2016, Ant Huabei announced that it would join hands with Huashan Hospital affiliated to Fudan University in Shanghai and Alipay to launch medical installment payment for individual consumers, with a maximum amount of 50,000 yuan. Huashan Hospital puts the in-hospital physical examination service into the Alipay service window, and users can directly make an appointment for the physical examination of Huashan Hospital in the Alipay service window**, and choose Ant Huabei to provide installment payment services, and users can choose to pay in installments over 3 months, 6 months, 9 months, and 12 months.

On June 22, 2016, Xidan Joy City and Ant Huabei reached a strategic cooperation, and more than 200 merchants in Joy City will be fully connected to Ant Huabei. When consumers shop in Xidan Joy City, they can log in to Alipay's app and advance the amount of Ant Huabei to spend first and repay later, and they can also choose to repay in 3, 6, and 12 installments. On May 18, 2018, Huabei announced that it would be open to banks and other financial institutions, and in the future, it will work with financial institutions to jointly develop more service scenarios and provide users with richer rights and interests.

Huabei can only pay 150 yuan, which may be due to the following situations:

1) The general quota of Huabei is only 150 yuan, so you can only pay 150 yuan.

2) The user adjusts the current quota, for example, the total general quota is 1,000 yuan, but the user adjusts it to 150 yuan, then only 150 yuan can be used.

3) Part of Huabei's quota has not been restored, for example, the total quota is 1,000 yuan, and the used quota is 850 yuan, then only 150 yuan is currently available, so only 150 yuan can be paid.

On the one hand, the merchant sets the Huabei collection limit of 150 yuan, on the other hand, it may also be due to the fact that the merchant itself has not opened Huabei collection, and the buyer is actually the user's Huabei face-to-face flower when using Huabei to pay, requiring that the amount of a single consumption cannot exceed 150 yuan.

1: Alipay Huabei, as a credit consumer loan product, is the first choice for many users to pay when they consume. After the opening of Huabei, you can consume in the current month and repay the loan the next month.

Usually, Huabei cannot be paid if it exceeds 150 yuan because the user has set the limit of a single payment in Huabei, resulting in the inability to make a successful payment. Or the user's Huabei limit is less than 150 yuan, resulting in the inability to complete the payment.

2: Why can't my Huabei payment exceed 150 yuan?

This is related to a number of factors, one is the receiving merchant, one is the account status, and one is the transaction limit.

2: Collection merchants: more than 150 yuan can not be paid with Huabei, it is likely that the physical store under the ** use Huabei, and the merchant has not opened the Huabei collection service, although it is possible to use Alipay to sweep the personal *** can be paid with Huabei, but the amount of Huabei face-to-face flowers is used, and the amount of a single transaction is 150 yuan to be paid successfully.

3: Account status: You need to pay when the Huabei account status is normal, if Huabei is frozen, whether it exceeds 150 yuan, it will not be allowed to pay with Huabei because of the abnormal status, and you will see that Huabei is gray in the payment option of Alipay.

4: Transaction limit: Many people have set a transaction limit for Huabei, and the limit is limited to no more than 150 yuan in quota management, which requires the quota to be adjusted back to the path.

Extended information: 1: Consumers can enter Alipay's Huabei interface and find customer service to ask for a settlement certificate.

Huabei is currently fully connected to the credit information system, but the information on the credit report is not updated in real time, so consumers can communicate with customer service if necessary.