Why didn t I postpone my Huabei repayment Why didn t my Huabei defer my repayment

2. The amount is not within the scope: the amount can be deferred only if the amount is between 100-5000 RMB;

3. Frequent overdue: If the user often has overdue repayment in the early stage, the system may turn off the user's deferred repayment function;

4. The account is at risk: there is a risk, there is fraud, cash-out, overdue, etc., then Huabei will not provide deferred repayment services.

Huabei deferred repayment, in other words, it is to postpone the repayment of the account that needs to be repaid in the current month to the repayment date of the next month. However, after the deferred repayment is set, the entire account will be settled with principal and interest after the expiration of the deferred repayment period in the following month. In other words, the repayment pressure of this month is postponed to the next month.

Therefore, when setting up deferred repayment, it is necessary to consider whether the individual has sufficient repayment ability in the next month to ensure that all the accounts can be repaid, in case the repayment cannot be made when it expires, which will affect the use of Huabei. This article mainly writes about why I have not deferred repayment in Huabei, and the content is for reference only.

It is normal for Huabei to not postpone repayment, according to the notice given by Huabei, Huabei does not support deferred repayment, nor can it negotiate repayment, even if the consumer communicates with Huabei's customer service, applying for deferred repayment will not get the desired result.

Huabei is implementing full access to credit information repair, before access to credit information, consumers overdue will only affect the amount of sesame points and Huabei, and the impact is relatively limited.

After accessing the credit information, the scope of the impact of consumers overdue will be very large, and future mortgages, car loans and some other loan applications will be affected.

Therefore, if you find that you are under pressure to repay your Huabei bills, you must apply for a bill installment or minimum repayment in time to avoid a blow to your personal credit if you are overdue.

Even if Huabei installment or minimum repayment will incur some handling fees, it is better than directly overdue.

As a consumer credit product, consumers will eventually have to repay the loan after using it, in order to avoid the pressure of repaying the Huabei bill, consumers should stay calm when using Huabei and not consume impulsively.

Just need to search: Xiaoqi Xincha. Click to query, enter the information to query their own Baixing credit data, the data comes from more than 2,000 online loan and UnionPay platforms across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist, online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Extended information: What is the matter with only a few credit reports after checking the credit information?

The user checked the basics, and only a few of them were on the credit report, because the borrowing was a combination of multiple loans and reported to the People's Bank of China, so only one record would be displayed in the credit report.

The loan records of the same financial institution will be combined with the simplified version of the credit report, and the page will only show the loan balance, so the previous loan will not be displayed in the simplified version of the credit report.

Users need to print a paper version of the detailed credit report, so that they can query each loan record of the borrower.

When users check their credit, as long as they make sure that they have no bad credit records, they don't need to pay too much attention to whether the borrowing records are combined.

Only bad credit records will affect the user's personal credit report, as for whether the loan record is on the credit report and whether the loan record is combined and uploaded to the credit report, these will not affect the user's personal credit report.

It is beneficial for users to borrow and upload together, so that a large number of borrowing records will not be displayed in the credit report.

The correct way to find the correct way to find Huabei deferred repayment is as follows:

1. After opening the Alipay page first, click to open Huabei, as shown in the figure below

2. After opening Huabei, click Repay Now, as shown in the figure below

3. Then you can see that there is a deferred repayment on this page, as shown in the figure below

4. It can be seen that the deferred repayment can delay Huabei for up to one month, as shown in the figure below

5. It should be noted that after the deferred repayment, you can't pay off the installment, and you have to pay off the money owed and the 10 yuan handling fee for the extension at one time after a month, as shown in the figure below

Huabei can be extended, and there are three types of postponement in Huabei, which are divided into normal bill deferral, installment deferral, and postponement after the due repayment date.

One is the normal deferral, similar to the credit card, one month is a billing cycle, as long as the consumption in this month can be fixed on the day of a certain month, and the repayment is normal on the 10th of each month; There is no handling fee for this type, and the repayment can be made on the normal repayment date.

The second type of postponement is the installment deferral, if it is difficult to turn over funds for a while, you can choose to repay the amount of the account in installments, which can reduce the number of repayments in the current month; This type requires a handling fee, and the principal repayable in each installment = the total amount of the principal that can be repaid in installments The number of installment periods;

Handling fee for each instalment repayment = total principal amount that can be repaid in instalments Total instalment rate Number of instalments;

The amount is accurate to be included in the monthly installment, and the remainder is included in the first installment, and the handling fee has been collected and not refunded; Click on the xx yuan per installment page to view the repayment amount, handling fee and rate of each installment, which is subject to the actual situation;

Among the billed amounts, all the amounts except for the "overdue fee, minimum repayment revolving interest, installment handling fee and installment principal part, deferred repayment handling fee and deferred repayment principal part" can be installed, and the installment amount must be greater than or equal to 10 yuan.

(For example, the repayment amount of the previous month is 10,000 yuan, including the installment amount and handling fee of 2,000 yuan for the previous application, the maximum installment amount can be 8,000 yuan this time).

It can be seen that the installment extension is not for all amounts, and the amount is also limited according to the type, and there is a certain handling fee.

The third is the extension after the expiration date, which is not recommended, overdue fee = overdue amount * overdue days, where the overdue amount * , rounded to the nearest minute, this item will most likely be pushed to the credit information center by Alipay to produce overdue records. Therefore, it is advisable to repay the loan on time to avoid bad records and affect credit.

All in all, as a last resort, don't choose the third option, followed by the second, and the first is the normal repayment deferral.

Application Portal:

On the homepage of the Huabei channel, select "Repay Now" to enter the repayment page, and select "Deferred Repayment" at the bottom of the repayment page

1. The operation time has not yet arrived

You must keep in mind the repayment date of Alipay Huabei, after Huabei is overdue and the bill has not been issued, it is not possible to use the deferred repayment, and you are eligible to apply for deferred repayment only after the account is issued on the 1st of each month and before the repayment date (the 9th or 10th, which is subject to the page display).

2. The deferred amount is incorrect

Huabei has relevant regulations, in the amount that has been issued, there are some fees that cannot be deferred for repayment, such as overdue fees, minimum repayment revolving interest, installment handling fees, deferred repayment fees, deferred repayment principal and installment principal, etc., and other amounts can be deferred for repayment.

PS: There is a limit for deferred repayment in Huabei, which must be between 100-5,000 yuan, and those below 100 yuan or more than 5,000 yuan cannot apply for deferred repayment.

3. Personal accounts are at risk

For example, serious overdue, account theft, cash-out and other points are frozen, in addition to some abnormal circumstances, which may cause Huabei to have no deferred repayment entrance.

Generally speaking, deferred repayment is suitable for inability to repay and temporary turnover, the disadvantage is that the repayment amount is too low, the maximum is only 5000 yuan, if it exceeds this period, then you can only choose the bill installment or the minimum repayment amount.