What s going on with Huabei being frozen suddenly

What should I do if Huabei freezes for no reason?

Huabei is generally not frozen by the system for no reason, and even if Huabei is frozen suddenly, there is usually a reason. In this regard, it is recommended that customers contact Alipay customer service for consultation to see what caused Huabei to be frozen, and then take corresponding measures to solve the problem, and then Huabei will naturally thaw.

For example, if Huabei is frozen because the customer has illegal arbitrage behavior, the customer can only maintain personal good credit in the follow-up and wait patiently for the account risk to decrease, and then the system will naturally lift the risk control and restore Huabei.

If the customer has not cashed out, but only because sometimes the whole amount of Huabei consumption, or often in the same merchant consumption of Huabei and other behaviors are suspected by the system to cash out, resulting in an increase in account risk, so that the Huabei account is frozen by the system, then the customer can contact Alipay customer service to appeal, provide recent transaction details, after the system verifies clearly, maybe the risk control will be lifted, and Huabei will be unfrozen soon.

If Huabei is frozen because of previous overdue behavior, it may not be able to thaw in a short time. After paying off the arrears, customers should take good care of their credit, and they can do more small credit tasks to improve their sesame credit score. When the personal credit level is improved and the comprehensive evaluation of the system reaches the standard, Huabei should have the opportunity to unfreeze at that time.

There may be several situations when Huabei is suddenly frozen:

1. Overdue repayment, Huabei may be frozen if it is overdue for more than a week, and the user will continue to be dunning.

2. If there is an illegal arbitrage behavior, the amount in Huabei can only be used for consumption, and cashing out is not allowed, and it will be frozen once it is found by the system.

3. Often spend at the same merchant and are suspected of cashing out by the system, which leads to an increase in account risk, so that the Huabei account is frozen by the system.

4. Huabei is stolen, after Huabei is stolen, it means that there is a risk, the system will freeze the user's account as soon as possible, and the user can seek official help to recover the stolen funds.

When you find that your Huabei is suddenly frozen, first determine whether it is artificial, such as Huabei cashing out or overdue or forgetting to repay, if you don't know what the reason is, you can contact Alipay customer service in time to appeal.

Extended information: 1. 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 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".

2. 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.

3. 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.

Fourth, 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.

It's best to consult customer service directly!

Cashed out? For example, fake transactions between acquaintances?

The first one, of course, is that it is overdueThe 9th of each month is the repayment period of Huabei, and the money used in Huabei needs to be returned the day before, and you need to repay regularly to help us maintain good credit. If you don't repay it within the time limit, Alipay's collection team will come to you to repay the money, and there is interest, and if you delay it for a long time, you will owe more and more.

The second one is not only overdue, but also overdueIf you owe 50,000 yuan, then the penalty interest will be 25 yuan a day, and the more you will owe it if you delay it for a long time.

The third Alipay is explicitly forbidden to use Huabei to cash out, but there are still many people trying to cash out. The bottom line of Ant Huabei is to cash out Huabei, with the popularity of Huabei, many ill-intentioned people want to cash out, and use Huabei payment to cash out through merchants, once this situation is encountered, your Huabei will be officially frozen and closed, as long as Huabei is frozen, then there is no way to pay off in installments, and the arrears need to be paid off at one time.

If yours are really blocked, 99% of them may be that you have cashed out in violation of regulations, Alipay's big data is very powerful.

It is currently possible to unblock the way:

1.Improve your sesame credit by binding information such as a driver's license in Alipay, and I believe that when your credit rating is high enough, it will be unblocked for you.

First, there is an overdue existence in Huabei or borrowing.

Second, frequent Huabei cash-out.

Third, system risk control.

1. Overdue.

As usual, after 7 days of overdue, the user's Huabei will be temporarily frozen and unusable. After 30 days of overdue, it will be permanently frozen.

2. Cashing out. If you have cashed out, then if the cash-out is discovered, your Huabei will also be frozen.

How to recover from being frozen?

1. Pay off the arrears as soon as possible.

If you are frozen because of the overdue, if your overdue days are within 30 days, you can pay off the arrears in Huabei as soon as possible, and after paying off, generally wait until the next account period, Huabei will be restored and can be used normally.

2. Be patient.

If you are frozen because the cash-out operation is discovered, this is because the Alipay system is giving risk control time according to the circumstances of your behavior, if this is the case, there is no way to manually intervene to solve it, and it is useless for you to call the customer service. All you can do is to wait patiently for the risk control time given by the system to pass quickly, and then see if Huabei recovers.

Cause Huabei. The main cases of freezing are as follows:

1.After using Huabei to consume, the failure to repay the loan on time within the specified repayment period caused overdue, resulting in damage to personal credit.

2.When using Huabei, the system suspects that the user is cashing out because he often makes large sums of money and always spends at the same merchant, or the user does have illegal arbitrage behavior, which leads to an increase in account risk.

3.The account was temporarily locked by the system due to the incorrect transaction password entered several times in a row when paying with Huabei.

4.Borrow. or Alipay Reserve.

There is an overdue situation, and the overdue circumstances are serious, resulting in a lot of decline in the Sesame credit score, and bad information is also recorded in the personal credit report, which indirectly affects Huabei (after all, Huabei is associated with Sesame Credit, and some of them are connected to the central bank credit system.

Supplementary information: 1. Reasons why Huabei was discontinued:

1. In fact, if Huabei has not been overdue, but has been evaluated and suspended by the system, it may be caused by these reasons. For example, user credit problems, the amount of Huabei is not enough to pay for current consumption, Huabei has been opened but never used, Alipay activity is low, or there are risk operations such as illegal cash-out and point brushing.

2. As we all know, the opening of Huabei and the granting of the available quota are all based on a comprehensive evaluation of the use of the account and other aspects, and the final result determines whether the user quota is eligible for opening, that is to say, when the user appears in the above four behaviors, the comprehensive evaluation is not passed, so that Huabei is suddenly unusable. In addition, after the Huabei quota is reduced or deactivated, there is no way to intervene manually, and you can only wait for the next evaluation result of the system.

2. How long can Huabei be reopened if it is not overdue and suddenly deactivated?

When the specific time can be resumed needs to be subject to the system's evaluation, there is no determined time when Huabei is frozen or deactivated, users can consult Alipay** customer service or call 95188 directly to understand the situation. After Huabei is closed, it will examine whether the user meets the opening conditions of Huabei according to the user's consumption situation, payment habits, account activity and other aspects, and through the calculation of big data, combined with the risk control model, users who meet the opening conditions of Huabei will be given an available quota ranging from 500 to 500000.

3. How to increase the quota in Huabei.

1. First open Alipay;

2. Click the My button;

3. Then click Huabei;

4. Click My Quota again;

5. Click on the interface to enter;

6. Click Quota Management again;

7. You can adjust the quota of the increase, but it is worth noting that Huabei does not support active application for quota increase, if the quota cannot be increased in the quota setting, it means that there is no qualification for the quota increase for the time being.

Operating environment: brand model: iphone13

Huabei is frozen by the system, which is usually caused by the following reasons: Huabei does not repay the loan on time; Alipay accounts are risky; Huabei is suspected of illegal use and cash-out; The user's debt ratio is too high; The user's credit investigation is damaged; Users rarely use Huabei. In the above situation, the system may freeze Huabei, and Huabei can only be unfrozen by the system after it is frozen, and manual customer service cannot intervene.

Users can consult the reason why Huabei was frozen, and then actively solve the problem, and then wait for the system to re-evaluate to see if the freeze can be lifted.

1.Late payments. As we all know, Huabei has been connected to the central bank's credit system in recent years, which means that Huabei will be uploaded to the credit report if it is overdue, resulting in bad records, which will also affect future loan applications and credit card applications.

Generally, Huabei will be frozen after 7 days of overdue, and the sesame credit score will be reduced, which will also affect the use of other products on Alipay, such as borrowing, reserve funds, etc.

2.Huabei cashed out seriously. Huabei cashing out is an illegal act, and if the system finds that users have cashed out a large amount of Huabei, then the Huabei quota will be frozen.

If it is only "manslaughter", then the user can submit the details of recent consumer transactions and make an appeal, and the appeal can be unfrozen after the appeal is successful.

3.There is a risk warning on the account. Users who frequently modify account information, change bound mobile phone numbers, bank cards, change devices to log in, etc., will be prompted by system risk control.

After being controlled, all Alipay payment transactions will be subject to certain restrictions, and they can return to normal after the risk control is over.

1.There is a risk in the account, so the system has carried out risk control. The reason for the increase in account risk and system risk control is likely to be that customers frequently modify account information, change bank cards, mobile phone numbers, and frequently change devices to log in.

In this regard, customers can only pay attention to avoid such risk operations in the future, and wait patiently for the account risk to decline and the system risk control to end.

2.The customer cashed out Huabei, or often used Huabei to make large transactions of the whole amount, spend at the same merchant, etc., and was suspected of cashing out by the system, so the quota was frozen so that the customer could not use Huabei temporarily. If you are only suspected of cashing out, but you have not actually cashed out, you can provide details of recent transactions, and after the system verifies clearly, it should be unfrozen.

3.When the customer repaid Huabei, he did not repay it on time within the specified repayment period, and there was an overdue situation, resulting in a decrease in sesame points and damage to personal credit (some users' Huabei was connected to the central bank's credit information system, and their credit investigation would also be affected). In this regard, customers can only pay off the arrears quickly, and then take care of their credit, and Huabei estimates that it will be difficult to unfreeze in a short time.