Huabei quota is not enough, how to buy a mobile phone in installments

1. Receive a temporary quota.

Generally, when ** or Tmall does various large-scale activities, some temporary quotas will be issued to users, so that when the sum of their own Huabei fixed quota + temporary quota is greater than the amount of the mobile phone, you can buy the mobile phone in installments.

2. Early repayment.

If your Huabei quota is not enough to buy a mobile phone in installments, you can pay off the arrears that have not been paid off before to increase the available quota of Huabei, and if the available quota is greater than or equal to the mobile phone**, you can buy the mobile phone in installments.

3. Combination payment.

Extended Materials. 1. How to increase the quota in Huabei.

How to increase the Huabei quota:

1.Increase the number of uses of Huabei, increase activity, and repay on time to ensure that the repayment is stable and continuous, and do not overdue;

2.Buy financial products in Alipay, and steadily invest in a series of products such as Yuebao or **;

3.Increase the number of times you use Alipay's other services, such as ** payment, payment of utility bills in life services, etc.;

4.Keep your credit score growing, keep your sesame credit score growing, and the Huabei limit will also grow;

5.Make more high-scoring friends, interact with friends with Alipay, transfer flow must be overnight, and the overall active friends are best kept at about 20 people.

2. How does Huabei have a temporary quota?

1. It has to be determined according to the actual situation, Huabei general temporary quota is after the system evaluates the user, if the user meets the conditions of use, then he will be given the ability to provide open qualifications, you should note that Huabei does not support users to take the initiative to apply for temporary quota, unified by the system evaluation and issuance, there is no way to intervene manually, we recommend that you use Huabei more and maintain a good reputation in the case of Huabei temporary and fixed quota will be obtained.

2. Under normal circumstances, there is a high probability of launching temporary quota activities during Tmall's 618 mid-year promotion, double 11 or double 12 promotion, and you can pay more attention to it.

The amount of Huabei is only two thousand five, and if you want to buy a more expensive mobile phone in installments, you can take the following methods.

1. See if there is any unpaid bill arrears in Huabei, if so, pay it off quickly, and then the amount of previous consumption will generally be restored in real time, so that the account limit will rise, and you will naturally be able to buy a higher mobile phone.

For example, if the previous consumption limit was 1,000, after repayment, the Huabei limit can be increased from 2,005 to 3,005.

2. See if the system provides a temporary quota, if so, you can apply for a temporary quota.

After obtaining the temporary quota, the available quota can naturally be increased accordingly, and it is not a problem to buy more expensive mobile phones.

For example, if you receive a temporary quota of 500, the Huabei quota can be increased from 2,005 to 3,000.

3. See if Huabei has an open quota fast charging function, if so, you can lock it by filling the corresponding funds into Yu'e Bao, so that the Huabei quota can be increased to a certain extent.

For example, if you want to buy a mobile phone of **5,000, you can charge 2,000 five into Yue Bao to lock it.

In this way, the quota of Huabei can be increased from the original 2,005 to 5,000.

You should also pay attention to your personal credit and don't blindly apply for a loan, otherwise once the big data is spent, you will be rejected due to insufficient comprehensive score if you want to apply for a loan again. You can get a big data report in "Zhiyi Big Data" to clearly know your status in online loan big data. The database cooperates with more than 2,000 online lending platforms, and the query data is relatively accurate and complete.

Extended Information: How is the penalty interest calculated for overdue borrowing?

If someone's borrowing daily interest rate is 5/10,000, then the interest of a normal loan of 10,000 a day is 5 yuan, after the overdue, the penalty interest for one day is 5*, the penalty interest is calculated on a daily basis, the longer the overdue time, the more penalty interest calculated by the platform, and the greater the debt pressure.

Borrowing does not support deferred repayment, so there is no grace period, and if you do not repay in time before the repayment date expires, you will be charged penalty interest by the platform, and the platform will also report the overdue record to the personal credit reporting system, leaving a credit stain on the lender.

It is also important that borrowers cannot negotiate repayment, which means that after the deadline, they need to bear the corresponding overdue responsibilities and cannot negotiate with the platform.

In order to avoid a series of things that happen after the deadline, you need to repay the loan on time after applying for a loan, avoid overdue, and fully consider your own economic strength before applying for a loan, and borrow reasonably on the premise that your income can cover the loan expenses.

If you don't have enough Huabei, you can't buy a mobile phone in installments.

If you want to buy a mobile phone in installments with Huabei, you must have a Huabei quota greater than the mobile phone**, if the quota is too low, you must find ways to increase the available quota of Huabei. It is suitable for the ** and Tmall promotion periods, and there is a temporary quota for users to issue Huabei. The temporary quota of Huabei is different from the temporary quota of credit cards, and users cannot apply for it on their own initiative.

A systematic evaluation is required to decide whether or not to make a decision. Therefore, this method is relatively limited and not practical. If the quota for buying a mobile phone in installments in Huabei is not enough, you can repay part of the used Huabei first and release the quota, so that you can use Huabei installments to buy a mobile phone.

If you want to buy a mobile phone in installments, but the available amount of Huabei is not enough, you can first see if there is any outstanding bill arrears in the account. If there is, then quickly pay off the bill arrears, and when the amount of previous consumption is restored, the available amount in the account is not less than the amount of the mobile phone, and then the customer can use Huabei installment payment to buy the mobile phone.

If the system provides a temporary quota, customers can also apply for a temporary quota for Huabei to use. In addition, if the customer's Huabei has a quota fast charging function, it can also be charged into Yu'e Bao for locking, so that the Huabei quota can naturally rise, and then it can be used to buy a mobile phone.

Or customers can also contact the merchant to negotiate to see if they can pay through multiple channels, such as some paying with Huabei first, and some paying with bank cards. However, it is estimated that it is difficult for the merchant to agree, if there is really no way to increase the Huabei quota to a level sufficient to pay for the mobile phone in the short term, then the customer can only give up the Huabei payment and buy a mobile phone with another payment method.

Of course, if the customer is not attached to the type of mobile phone he bought, he can actually choose to give up the mobile phone and change to a mobile phone with a lower ** and sufficient payment for Huabei.

Customers can apply for a temporary quota, and then buy a mobile phone in installments after receiving the temporary quota.

1.If the user's Huabei available quota is zero, and he wants to use Huabei to buy a mobile phone in installments, it seems that it is only because the Huabei quota has been used up before, and there is no time to repay the current Huabei quota, the user only needs to repay the loan as soon as possible, and after paying it off, the quota will be restored, and you can use Huabei to buy a mobile phone in installments.

2.If there is a problem with the user's credit, the account is subject to risk control, which leads to Huabei having no limit. In this case, before the credit is repaired and the account is released from risk control, users will not be able to buy mobile phones in installments with Huabei in a short period of time, and it is recommended that users buy mobile phones with another payment method.

Extended Information: About Huabei.

1.Ant Huabei.

It is a consumer credit product launched by Ant Financial, and after applying for a defense, you will receive 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".

On August 4, Ant Huabei consumer credit asset backed**.

The project is on the Shanghai ** Stock Exchange.

listed, which is also the Shanghai Stock Exchange.

The first Internet consumer finance ABS. As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan with registered capital.

from $3.8 billion to $12 billion. On May 18, Huabei announced that it would be open to banks and other financial institutions.

On September 22, Huabei has been connected to the central bank's credit system, and it will not be available if the user refuses to access.

4.Ant Huabei has only been online for half a month, Tmall.

And**More than 1.5 million merchants have opened Huabei. 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. Durex.

The person in charge of Tmall told reporters that a product specially launched for new users of Ant Huabei sold more than 10,000 copies a day, and the inventory was sold out for a week. The data shows that after merchants access Ant Huabei installment, the transaction conversion has increased by 40%.

Operating environment, Apple 12, ios14, staring at the previous Alipay version.