I didn t have Huabei, I didn t overdue, why did it suddenly stop?

It may be because the amount you use is relatively small, and the repayment is more timely, and the system evaluates that you don't use Huabei very much, and you don't need Huabei in time, so you will stop your Huabei.

During the use of Huabei, Huabei will conduct a multi-dimensional comprehensive evaluation of users from time to time, and whether users can continue to use Huabei is subject to the results of the comprehensive evaluation of the system. In other words, if you fail to pass the system review, Huabei will not be able to continue to use.

Generally speaking, the common reasons that cause Huabei to be closed are as follows:

1. Huabei is rarely used;

2. There is overdue behavior;

3. Personal credit is damaged;

4. There are Huabei arbitrage behaviors;

5. Excessive personal debt;

6. There is an abnormality in the Alipay account.

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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.

If Huabei has not been overdue, but has been suspended by the system evaluation, it is recommended that users contact Alipay customer service to consult the reason. If the use is suspended because of the suspicion of cashing out, the customer can provide the recent transaction details to Alipay customer service for appeal, Alipay verifies clearly, and confirms that the customer has not cashed out, the risk control of the account should be lifted soon, and it is no problem to recover within a week. And if there is indeed illegal arbitrage, it is estimated that it will be difficult to recover in a short period of time.

Sometimes it is controlled because customers often have risky operations, such as frequently modifying the authenticated mobile phone number, binding bank cards and other account information, always changing devices to log in, and so on. In this regard, customers can only wait patiently for the end of the system risk control, and at the same time pay attention to maintaining personal good credit. The system is generally re-evaluated every month or so, and as long as the account risk decreases and the customer has good credit, there is a chance to resume use after that month.

If Huabei is suddenly discontinued, it is likely to be caused by the following reasons:

1.Recently, the repayment failed to be repaid on time within the specified time limit, and there was an overdue situation, resulting in a decline in sesame points and damage to personal credit, so the system froze the amount (note that if the borrowing and Alipay reserve funds are overdue, it may also indirectly affect Huabei, after all, all three are associated with sesame credit, and borrowing and some Huabei are also connected to the central bank credit).

2.The Huabei quota has been cashed out, and Huabei can only be used for consumption, and cannot be transferred and withdrawn, which is an illegal operation, which has triggered system risk control.

3.Due to frequent changes in account information (such as changing bank cards, changing mobile phone numbers), or frequently changing devices to log in, or the authentication identity information expires, the account risk has increased a lot, which has also triggered system risk control.

4.It has never been used since the opening of Huabei, so that the system thinks that customers have no need to use the quota, so it withdraws the quota when the customer closes the account in a large area and provides the quota to the customer who needs it more.

5.There are differences in Alipay accounts, such as cancellation.

If there is no overdue behavior, but Huabei.

Disabled by the system, most likely because:

1.This borrowed many other credit products, resulting in borrowing, high personal indebtedness and "spending" credit checks.

2.After opening, it will not be used for a long time, resulting in low account activity. The system doesn't think the customer needs to use it.

3.There is also cashing out of excess quota usage, cashing out is an illegal operation, which will affect the customer's personal credit.

4.Customers often operate at risk, such as always changing device logins, frequently modifying modified, authenticated mobile numbers, and binding cards and other account information, which increases account risk.

5.The system suspects that the customer's account was stolen and Huabei was stolen by someone else. For security reasons, Huabei's account is temporarily locked.

6. If it is the first reason, the customer must find a way to repay the debt and reduce the personal debt ratio. Long-term borrowing.

They may recover when the situation improves.

7. If there is a second reason, then use Alipay more, and then apply for reopening. If it's the third type, you can only take care of your credit first. When your personal credit improves, Huabei may recover.

8. Please pay attention to avoid risky operation and wait patiently for system risk control.

Pass. Huabei should be able to **. If it's the fifth category, prove your identity to the system and increase the security level of your account. Huabei can be restored naturally.

Expand your information; If you never overdue, but suddenly refuse to use it, it may be due to the following reasons:

1.The consumer merchant has not yet opened the payment function of Huadao, so the payment method of Huabai is not supported. In fact, there is nothing wrong with Huabei. If another merchant supports Huabei Pay, it can be consumed normally.

2.The consumption is too large and has exceeded the specified limit.

3.The system detects a risk in the current transaction environment, such as the merchant being irregular or suspected of stealing, thus restricting the transaction.

4.The back-office system is busy, disorderly, and under maintenance and upgrades. Once the system is upgraded, it will be back to normal.

For example, the payment is abnormal, for example, the identity information has expired.

6.The account has poor behavior, such as illegal cash-out and score refresh, or is suspected of being cashed out by the system due to frequent consumption and frequent consumption in the same store, which leads to system risk control.

7.Operate in an unfamiliar network environment; Or due to frequent changes such as frequent modification of account information, device login, etc., risk control is also implemented by the system.

I hope I can help you.

operating environment; Mobile version; Huawei software version; Alipay.

First, the front. Huabei has not been overdue and suddenly unavailable, this is because the user's Huabei account has not passed the evaluation of the system, so the system has suspended Huabei's borrowing function.

2. Specific analysis.

The quota of Huabei and whether Huabei can be used are subject to the results of system evaluation.

The system will evaluate the user's Huabei account from time to time, and if it does not pass the system assessment, it will naturally be impossible to continue to use Huabei.

The fact that it has not been overdue does not mean that the user will definitely pass the system assessment.

When the system conducts the assessment, it is a comprehensive assessment of the user's personal credit qualifications, so just a good credit report or good Sesame credit is not enough for the user to pass the system assessment.

Poor credit qualifications in other aspects of the user, such as high debt ratio and seldom use of Huabei, may lead to the user's failure to pass the system's assessment.

The user's Huabei cannot be used, please continue to maintain a good credit history, and wait patiently for the system to re-evaluate, as long as the user meets the conditions for the use of Huabei, after the system completes the assessment, there is a high probability of restoring the eligibility to use Huabei.

Online loan users can also check their credit qualifications by docking with third-party big data risk control platforms, such as Beijian Quick Check, Sesame Credit, etc., the former has established data cooperation with more than 98% of online lending institutions on the market, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans is shared on most loan platforms, which means that if the borrower is overdue or owes money on one platform, such a bad record will also be disclosed on other loan platforms, so you must carefully maintain your online loan credit, otherwise when you encounter an economic crisis again, you will not be able to obtain online loan products with good personal credit.

3. Will the borrower come to the door if it is overdue for more than a year?

If the borrower is overdue for more than a year, if the user's overdue amount is high or the overdue situation is more serious, and the user's location is in the same area or not far from the location of the collection agency, then the collector may come to collect it.

If the user's overdue amount is small and the overdue situation is not very serious, there will be no collector to collect it.

The cost of door-to-door collection by collectors is higher, and most of the online loans are overdue for loans, generally using SMS collection and collection as the main means of collection, and only in rare cases will collectors be arranged to collect at home.

Therefore, if the user receives a text message reminder or hears **, the other party informs that there will be a collector to collect the collection, and then someone may come to the door.

If the loan is overdue for more than a year, the negative impact of the overdue record will be great, and the user has not paid off the overdue arrears, and the overdue record will always be retained in the credit report.

Only by paying off the overdue arrears as soon as possible can the personal credit report return to normal.

Huabei was not overdue, and the reasons for the sudden stop are as follows:

1. Borrowed a lot of other credit products, resulting in long borrowing and high personal debt;

2. After opening Huabei, it will not be used for a long time, resulting in low account activity, and the system will think that the customer has no need to use it;

3. The Huabei quota was cashed out, and the cashing out is an illegal operation, which will affect the customer's personal credit;

4. Customers often have risky operations, such as always changing devices to log in, frequently modifying authenticated mobile phone numbers, bound bank cards and other account information, resulting in an increase in account risk.

There are two main ways to calculate overdue loan interest:

1. It will be charged according to the interest rate agreed during the contract period. As long as the interest rate paid by the borrower does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, and the private loan is not higher than four times the bank loan interest rate, the overdue interest on the overdue loan can be calculated according to the interest rate agreement.

2. The interest shall be calculated according to the relevant regulations of the People's Bank of China.

In this way, the interest rate of the loan during the performance period of the loan contract is still in accordance with the original agreement, and the interest rate is not calculated in stages in case of interest rate adjustment, and the interest rate of the overdue loan is calculated in stages according to the interest rate adjusted in different periods determined by the People's Bank of China, and the penalty interest is charged in a certain proportion while collecting the overdue interest, or the penalty interest is calculated in stages according to the adjustment of the penalty interest according to the interest rate determined by the People's Bank of China. At the same time, the loan during the performance period of the contract and after the expiration of the loan shall be settled on a quarterly basis (of which the short-term loan can also be settled on a monthly basis within one year), and the quarterly interest settlement date shall be the 20th day of the last month of the quarter, and the interest shall be calculated as compound interest if the borrower cannot pay the interest on time.

Prepare all kinds of proof of assets. At the beginning of the application, because the bank did not have any consumer credit history, the bank evaluated the status of various income assets and then decided how much credit limit to give. If you want to significantly increase the credit limit at the time of application, you should carefully prepare various credit documents and do not be too troublesome.

It is necessary to submit the proof of income, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or valuable ** certificate to the bank.

Operating System: Brand: Apple 12

System version: iOS14

Ant Huabei was deactivated without the expiration date for the following reasons:

First, cash out. This kind of behavior is actually to use Alipay's loopholes to meet its own interests, whether it is Alipay or other lending software, this kind of action is strongly suppressed.

Second, abnormal logins, frequent changes of mobile phone numbers, or frequent payments. Because Alipay is bound to many bank cards and its own personal information, if the mobile phone is lost and is obtained by some ill-intentioned people, it will definitely attack Alipay, so when the transaction is abnormal, Alipay will be automatically closed.

Other addendums: What is there to do with a risk assessment system? to identify if you are really rich.

Customer service listed:

1.Account activity, in fact, I don't think the impact ratio is large, and it has a certain impact on the evaluation, but it is not the core factor. It can only be seen as a little advantage for old customers.

2.Credit profile, which includes: no default, less borrowing, no cash-out.

This is the basis of the assessment, similar to how most people can pass the credit, but you can't distinguish whether you are very tyrant or not, and you can only eliminate people who live by borrowing money. It has a big impact on your credit assessment, but it is not the most important factor.

3.Asset management: very, very, very important (the student party quota is not high, just because there are no assets and financial management), the ideal customer target of financial institutions is people with high net assets.

Even if they occasionally forget to repay, the financial institution will be very generous to waive fees such as liquidated damages (if they can be contacted normally, the customer will be reminded to repay after default, and the customer will repay immediately. Because after all, it is not easy to get the owner father to choose our products, and we can't offend. Even if the customer's credit is not good, it doesn't matter, you can get a mortgage, you mortgage tens of millions of real estate to me, I will lend you a few million, and I don't worry about you not repaying.

4.Consumption habits: often fly in first class, stay in Hilton, and buy tens of thousands of bags, and the probability of this kind of spending power is also very low.

Of course, it is not necessary to spend extravagantly, but the difference in repayment ability between people who spend 5,000 a month and 2,000 a month is definitely different.

7.Account flow: If you have money, you can have more flow. No money, hundreds of turns.

8.Social security: This is also very important, there is an algorithm for social security payment, and you can directly calculate your salary range based on the amount of social security payment. The salary will be higher than the social security base, not lower than the social security base, the salary is high, the natural repayment ability is strong, and I am willing to lend you money.

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