How much credit does your Huabei have? How much will you spend each month?

The initial amount of Huabei generally ranges from 500 to 50,000.

Huabei is aimed at different groups of people, and the initial quota is different. The initial amount for students to open Huabei is generally about 500-6000 yuan; The initial quota for office workers to open Huabei is about 1,000-10,000 yuan; For users who often use Alipay, have a high sesame score, and fill in complete personal information, the initial amount of Huabei is usually more than 10,000 yuan.

We all know that the normal limit of Huabei is between 500 yuan and 50,000 yuan, and the limit of most friends in Daxingtan is basically between 2,000 and 30,000 yuan. Let's just say that Huabei's quota of 50,000 has been capped, even if you want to get a higher quota no matter how good your conditions are.

But among the many Alipay users, there is a special drawback, because he has special rights and interests, it is said that his Huabei quota has reached 10 million, this person is called Cui Weiping.

For the first user to use Alipay for transactions, it makes sense for Alipay to give special benefits.

We all know that China's mobile payment was officially appeared around 2003, when many people could not accept it, thinking that third-party payment could not be seen and touched, and it was initiated by a private enterprise, so many people did not believe that it was very difficult to promote Alipay in this environment, and it took a lot of courage to dare to eat the first crab.

Of course, in the first transaction of Alipay's lease and payment, I think it is not only Cui Weiping who is of great significance to Alipay, but also the buyer Mr. Jiao Zhenzhong, who is also of great significance to Alipay, because he has to pay Alipay before he receives the goods, this process is facing a lot of unknown factors, although 750 yuan is not a big money, but for everyone to trade through this virtual network, it still takes a lot of courage, so I think Alipay is not only a reward for Cui Weiping, It should also be a reward for Jiao Zhenzhong.

Today, Alipay has become the hegemon in the field of third-party payment, with more than 1 billion users worldwide and billions of profits created every year. Relatively speaking, the 10 million Huabei quota is not a big reward, after all, you have to pay it back after using it, and for Cui Weiping, I believe that the 10 million Huabei quota is more of a spiritual reward, and it is estimated that he will not be able to spend so much money, unless Alipay gives him a free order!

The Huabei limit of my usual Alipay account is currently 13,000 yuan, and the other account only has a temporary limit of 20 yuan.

According to the official information, most people's Huabei quota is between 500-50,000 yuan.

But there are exceptions, such as the first person to use ** to make a deal with a customer, Cui Weiping, Huabei gave him the green light and gave him a 10 million Huabei quota.

Huabei quota standard:

1. Everyone's Huabei quota is different.

2. Huabei will consider the consumer's online shopping situation, payment habits, credit risk, etc.

3. Through big data computing, combined with the risk control model, users are granted consumption quotas ranging from 500 to 50,000.

The amount of Huabei is 500-50,000 yuan, and each person is assessed differently according to your personal assets and credit status.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, 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".

Huabei is used in the current month and repaid in the next month, which is actually similar to the bank's credit card business. It's just that a credit card requires a physical card, while Huabei only needs an account. At present, there are 1st, 5th and 10th repayment dates for Huabei, and the specific repayment time needs to be subject to the page display of each Alipay account.

Before the repayment date, it is the interest-free period of Huabei. If you can't pay Huabei's current bill on the repayment date, you can choose the minimum repayment amount, and the remaining unpaid principal will be calculated from the day after the due repayment date, and the daily interest rate will be calculated and included in the next month's bill.

The amount of Huabei is generally 500-50,000 yuan.

Ant Huabei is based on consumers' online shopping.

Comprehensive consideration of payment habits, credit risk, etc., through big data computing, combined with risk control models, users are granted consumption quotas ranging from 500 to 50,000 yuan.

Ant Huabei's quota is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. Ant Huabei cannot open or raise the amount through others, please do not trust others and disclose personal information.

On October 18, 2018, Huabei officially launched the "Quota Management" function, which allows users to adjust their Huabei quota independently according to their actual needs.

The quota of Huabei is automatically approved according to the comprehensive situation of the personal account, and the quota ranges from 500 to 50,000 yuan. Under normal circumstances, when you use Huabei for the first time, the consumption limit is not large, and with your use, the system will evaluate the comprehensive usage of your Huabei and Alipay accounts from time to time, and may automatically increase the Huabei limit for you according to the evaluation results.

This answer is provided by Compo 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. I hope you find this answer helpful.

Question: I'm only 12,000, why can't I use it?

I want to improve a little bit how to get it.

I need it now, no, right?

If you encounter those who say that you can immediately increase the limit, that kind of is **, don't believe it, be careful of being deceived.

The increase in the quota of Huabei is gradually increased according to the amount and number of times users use Huabei scenarios, as well as the frequency of use of related life scenarios. Generally, the initial amount is not too high.

Everyone's account limit is different.

The more you use, the more you rise, and everyone is different.

The Huabei limit is based on your Sesame Credit Score and your usual consumption and repayment, and it is certainly not a generalization.

The quota of Huabei is gradually increased with your use, and the quota of Huabei at the beginning is not fixed, more or less! If you want more, you can use it a few more times!

Summary. Data expansion: Ant Huabei is a consumer credit product launched by Ant Financial, and after applying for activation, 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, 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. As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan, increasing the registered capital from 3.8 billion yuan to 12 billion yuan.

On May 18, Huabei announced that it would be open to banks and other financial institutions.

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Huabei's normal person's quota is 500 50,000 yuan. The initial amount of Alipay Huabei is generally between 500 and 50,000 yuan, because the amount of Huabei shouting is based on the comprehensive evaluation of the user's account situation, therefore, different accounts, the initial amount will be different from Zheng Nasui. In other words, the amount of Jiqing for ordinary users is basically not very high.

Data expansion: Ant Huabei is a consumer credit product launched by Ant Financial, and after applying for activation, you will get a consumption limit 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, 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. As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan, increasing the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would be open to banks and other basic financial institutions.