Why does my Huabei quota become 0, and will it be deducted if I go in?

The reason why the Huabei quota became 0 is the quota evaluation result of the Alipay system, and it will not be deducted if it is returned.

The general quota of Huabei is 0, which may be the result of the quota evaluation of the Alipay system, and if you want to improve the general quota, you need to use Alipay well and accumulate good credit. The fact that the general limit of Huabei is 0 does not mean that it has been deactivated, it may be that the user has already overdrawn all the general quota and needs to restore the universal quota by repayment.

A negative Huabei quota only indicates that the temporary quota has expired, and it does not mean that the temporary quota that has already been used needs to be repaid immediately. The repayment time here is the same as the usual repayment time, and when the income and expenditure details come out, it is enough to repay the loan before the final repayment date.

1.After consuming Huabei, it failed to repay the loan on time within the specified repayment period, and there was an overdue situation, resulting in a decline in sesame points and damage to personal credit, so the system froze the Huabei quota.

2.The customer carried out illegal cash-out operations on Huabei, resulting in an increase in account risk; Or because the total amount of large consumption of Huabei, frequent consumption of Huabei in the same merchant and other behaviors are suspected by the system of cashing out, the system has carried out risk control on Huabei.

3.The customer has just consumed all the Huabei quota, but has not yet repaid the loan, so there is no available quota for the time being. After that, as long as the customer repays the payment on time, the amount will naturally be restored, and it will no longer be 0 yuan.

What's going on with Huabei's quota of 0?

The Huabei quota is 0, and the user can continue to use it, usually because the general quota is used up, and the user still has a special installment quota, so at this time, the user can use Huabei to pay in installments. However, if you use Huabei to pay normally, when the limit is 0, Huabei cannot be used. Therefore, when the Huabei limit is 0, if it can be continued, it can only be said that the user's luck is good, and the system allows the user to continue to overdraw.

Of course, how much is the overdraft limit of Huabei, this is determined by the system evaluation, and it can be known that only some users with good credit qualifications will have an overdraft limit.

What should I do if the Huabei quota suddenly reaches 0?

Why did my Huabei quota suddenly become 0 and what should I do? Urgent!

1. The Huabei quota caused by the system abnormality becomes 0: log in to Alipay again;

2. The amount of Huabei caused by long-term overdue becomes 0: first pay off the arrears, and maintain good consumption habits, and wait for the next Huabei evaluation before it is possible to recover;

3. The Huabei quota is cleared due to an abnormality in the account: you need to wait for the exception to be lifted before it can be recovered.

The available quota of Huabei is 0, which should be your quota used up, it may be that you have a temporary quota expired or the quota has decreased, and the quota used is greater than or equal to the total quota.

Huabei. The reason why the general quota is still zero has been repaid is that because Huabei did not repay the loan in full and on time, the amount was frozen if the payment was overdue; Or Huabei is suspected of cashing out and is subject to system risk control.

The quota is reduced to zero; There is a risk that personal Alipay accounts will be stolen or stolen; After the Alipay account status is abnormal, frozen, or the function is limited, the principal and handling fee need to be refunded for each installment bill. In practice, however, this money will be used to repay the expenses first.

Huabei violations

1. Use Huabei to cash out, the arbitrage behavior actually did not start from Huabei, as early as when using a credit card, someone and the merchant have joined forces to withdraw cash, but the merchant will charge a certain percentage of the handling fee. The cash-out process of Huabei is also relatively simple, and Huabei can also set a repayment date, so the cash can circulate in hand for a long time, which relieves the tension of the personal capital chain. However, this can be said to have caused a certain degree of loss to Alipay's capital chain, so Alipay severely cracked down on Huabei's cash-out behavior, and if it is found that it has cashed out many times, Huabei may be banned.

2. If there is a serious overdue, because Huabei has not been connected to the credit before, some people don't care about Huabei's overdue. Even if the repayment period is overdue, the repayment is not made, and in severe cases, it can even be overdue for months or even years. According to data from 2019, the amount of outstanding repayments in Huabei has exceeded 200 billion yuan.

This is a very high amount, so from this year, some users' Huabei have intervened in the credit information system.

Huabei's overdue will affect personal credit, and those who are seriously overdue may also be pulled into the "blacklist" by the bank, and future car loans or housing loans will be affected.

3. If it is a risky account, if the user's account is frequently detected by Alipay background when logging in and paying on an unfamiliar device, it will be turned into a risky account by default, which may affect the security of the account. Under normal circumstances, in order to protect the security of personal accounts, Alipay will borrow Huabei.

Banned. But if it's not for my own reasons, but I'm prompted to become a risky account, there is device management in Alipay's security center.

You can check to see if there are any accounts you don't know that have recently logged in. Remember to change the password in time after that, make the password more difficult, and do not be consistent with the login password or other commonly used passwords, so as to protect the security of the account to the greatest extent.

4. If it is a gambling account, Alipay does not support any online gambling behavior, and has zero tolerance for gambling merchants and refuses to provide cooperation. Alipay's back-end monitoring system has been in operation all the time, and it will crack down on any gambling account.

How to see if your Huabei has beenRisk control

You can find a merchant that supports Huabei payment to make a purchase, and you can check whether Huabei is under risk control by selecting Huabei as the payment method. If you can choose Huabei to pay, it means that there is no problem with Huabei; If you can't and there is no problem with the amount of Huabei, it means that Huabei is under risk control.

Huabei. The amount that has been repaid is still zero, because Huabei did not repay the loan on time and in full, resulting in overdue, the amount was frozen, or Huabei was suspected of cashing out and was controlled by the system.

The quota was reduced to zero; There is a risk of theft of personal Alipay; Alipay's status is abnormal, frozen, and its functions are restricted.

After the installment of Huabei, the bill needs to be returned for each installment of the principal and handling fee. However, in practice, the repayment amount will be used to repay the processing fee first. Therefore, as long as the procedures for the current bill are settled and the remaining funds are paid off, then the amount of Huabei will be restored.

Pay attention to the amount of the repayment amount, especially the installment repayment, if you miss the handling fee, you may not understand the reason why the amount has not been restored.

If the amount of Huabei is not restored or does not match the repayment amount after repayment, there are two common situations: the repayment bill contains the handling fee generated by the previous installment, and if the repayment bill contains the handling fee generated by the historical use of Huabei installment or bill installment repayment, then the funds will be repaid with priority when repaying the handling fee, and the remaining funds will be restored accordingly after the handling fee of each bill is paid off. If there are still transactions that have not been confirmed at the time of repayment, if there are still Huabei's consumption that has not been confirmed at the time of repayment, then the transaction has not actually been issued and cannot be repaid, and the corresponding occupied amount will not be restored.

The introduction of Huabei repayment is, for example, the bill of repayment includes installment handling fees, and there are unbilled transactions at the time of repayment, both of which will lead to the amount not being restored after repayment. Under normal circumstances, Huabei's quota is restored in real time after repayment, so if the quota is not restored, the above two reasons will be ruled out first.

As long as you use Huabei to consume, Alipay will charge a handling fee to the merchant. Even if the user chooses to repay the loan early.

It will not affect this part of Alipay's income. Interest (or handling fee) on late payments, installment payments. This is similar to credit cards, even if the user chooses to repay the loan early, there is a processing fee.

The amount of Huabei repayment is 0, and there are two possibilities: 1. Huabei is overdue for repayment, and the platform will recover the amount after returning. 2. There is a problem with the user's personal credit or the credit score in Alipay is reduced, resulting in the Huabei function being withdrawn.

It should be noted that Huabei must be repaid in accordance with the regulations during daily use and cannot be overdue.

Here are two possible details:

The first one: it may be that the user's Huabei is overdue, and the user returns the arrears after the platform collects it, and the platform will recover the amount after the return, and the user cannot use Huabei at this time.

The second type: it may be that the user has a problem with the credit investigation during this period or the credit score in Alipay is reduced, resulting in the Huabei function being withdrawn.

In order to avoid overdue repayment after the use of Huabei, users must think about their repayment plan in advance when using Huabei, and do not overdue repayment, generally the use of Huabei does not exceed 50% of the monthly income.

Huabei must be repaid in accordance with the regulations during daily use and cannot be overdue. Huabei can enjoy an interest-free period of up to 40 days and a minimum of 10 days when used. If you are unable to repay the arrears on time, you can use installment repayment or postpone repayment, and you can choose different installments when using installment repayment.

The statement date of Huabei is the 1st, 5th, and 10th of each month, and the repayment date is the 10th or 20th of each month; It should be noted that users who have just opened Huabei can only have a billing date on the 1st, and they can apply for a change after one year of use, at which time they can adjust to the day that suits their personal income.

Version information: Take the Alipay version, Apple 13 (system), and Huawei Mate40 (HarmonyOS2 system) as examples.

Huabei will not assess the personal credit status indefinitely, and if the assessment is unqualified, the Huabei quota will be reduced or frozen at any time.

You can log out of Alipay and log in again, try it, if it still doesn't work, ask Alipay customer service to see what's going on.