Huabei has been closed before, why can t it be opened now?

Huabei. The opening and closing of Huabei are basically decided by the big data risk control system according to the user's comprehensive score, and your Huabei cannot be opened due to the following reasons:In the process of use, I did not develop good shopping habits, and even overdue.

This affects your credit big data score, according to the systemOverall scoring, think you probably havePotential risks, so Huabei was closed. You must know that the user group using Huabei is still very large, and in the face of such a large user group, except for some special groups, the closure and opening of Huabei are generally not manual intervention, but are controlled by a unified risk control system.

Maybe you haven't been overdue, and your shopping habits are very good, and you recall whether you have used Huabei to cash out. You know, Huabei is actually similar to a consumer walletIt can only be used for consumption and cannot be withdrawnBut there are still many people who beat its idea and use Huabei to carry it outMalicious cash-out, generally go to some shops and use "fake consumption".Cash withdrawal,You know, if such behavior is easy to be detected by the big data risk control system, the current big data system may not be able to imagine its power, it is as "smart" as the human brain, or even more than the human brain, it willStore memories of your usual consumption habitswhen you pop upAbnormal consumptionFor example, if you consume a large amount of money or consume at a high frequency, the "brain" of risk control will think that you existAbnormal transactionsand then affect youCredit score,When your credit score drops to a certain level, the system will automatically close your Huabei.

3. You often have high frequenciesEarly repaymentOr often close the flower and reopen it. The system will think yoursLimited spending power,There is a definiteOverdueRisk, once or twice once in a while is fine, but if the frequency is too high, especiallyEarly repaymentThe system will still close your Huabei.

That's all for me, I hope it works for you!

It is very likely that there is a problem with your credit, or it may be because the system has to re-evaluate your sex medication, and your credit status does not meet the relevant conditions, which will lead to the failure to open it.

It may be because your Huabei is no longer used after it is closed, so your permissions have been closed, and there is no quota left.

It may be that there have been some changes in your credit, and the opening of Huabei also has certain restrictions, and some evaluations will be made.

Why can't I reopen Huabei after closing it?

Huabei cannot be opened after it is closed, mainly because users do not meet the conditions for Huabei to be reopened, or meet the opening conditions but do not pass the system review. After Huabei is closed, it can be reopened, but this is subject to the results of the system evaluation. If it cannot be reopened for a long time, it means that the user's credit qualification conditions are relatively poor.

If Huabei cannot be reopened after closing, it is most likely due to the customer's credit problem, so it fails to pass the system's review. You need to pay attention to the fact that in order to bloom again, it is necessary to go through a systematic re-evaluation. Once the system finds that the customer's credit is not good, it will naturally not re-bloom for the customer.

The system will mainly conduct a comprehensive evaluation from the customer's account usage, consumption and repayment records, economic income level, debt, credit status and other aspects, and any problem in one aspect will affect the comprehensive score of the system. For example, if a customer has recently overdue repayments and has damaged their credit, the system assessment will naturally fail to meet the standard. You need to pay attention to the fact that if you take the initiative to close Huabei, as long as the customer maintains good credit, the problem of reopening is generally not big.

If Huabei is forced to close by the system, it will be difficult to re-bloom until the problem is solved. In this regard, it is recommended that customers contact Alipay customer service to ask the reason for the system to close Huabei, and then take corresponding measures. For example, if the credit is not good, then participate in more credit tasks, enrich personal compliance behavior, and improve the Sesame credit score.

Because there are multiple Alipay accounts bound to an ID card or a mobile phone number, only one Alipay account is allowed to sign up for consumer credit products (i.e., Huabei), and if the user has opened Huabei with other Alipay before, it may not be able to open it again. 1. If the customer service is closed. Then it means that the overdue date has passed.

Your profile information has been blocked and will not be open for you. 2. There may also be multiple Alipay accounts bound to an ID card or a mobile phone number, and only one Alipay account is allowed to sign up for consumer credit products (i.e., Huabei), if the user has opened Huabei with other Alipay before, it may not be able to open it again. 3. For a period of time after Huabei is closed, Ant Financial will re-review your information and transaction information, don't believe those who can increase the limit if you close and reopen, and maintain good consumer credit to increase the limit.

Ant Huabei is based on consumers' online shopping situation, payment habits, and credit.

The Huabei newcomer version can be closed and reopened. However, it is recommended that users should not easily close and reopen, because every time Huabei is opened, even if it is the Huabei newcomer version, the system needs to review the credit status of the account, and it is not that the quota can be increased by re-opening the flower, and at the same time, the Huabei function is often opened and closed, which may lead to a change in the quota or even no longer available.

Huabei can be opened again after it is closed, taking Alipay as an example, you can refer to the following steps to open Huabei again.

1. After opening Alipay, click the "My" icon in the lower right corner.

2. Click the "Huabei" option in the list.

3. On the Huabei page, click "Agree to activate" according to the prompts.

4. Finally, verify your identity to complete the opening of Huabei.

This is to be seen on a case-by-case basis

1. If you close Huabei by yourself, in this case, you can open it immediately after turning it off, and there is no specific time limit.

2. If you are forced to shut down by Huabei itself because it is overdue, in this case, you must pay off the overdue arrears as soon as possible, and then apply to open Huabei.

3. If you are shut down because you are suspected of cashing out, in this case, you must provide proof of non-cashing and apply to open your own Huabei again.

Extended information: 1. The full name of Huabei is "Ant Huabei", which is a consumer credit product. After the user applies for activation, Huabei will be based on the user's online shopping situation, payment habits, and credit risk.

and so on, through big data computing, combined with risk control.

model, which grants a user a specific amount of spending credit. When consuming, users can advance this amount, spend this month, pay next month, repay on time without charge, and enjoy the shopping experience of "consume first, pay later".

As a credit innovation, Huabei complements banks and other financial institutions. The cooperation between the two can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, and promote the development of the industry.

Second, the consequences of Huabei's overdue non-payment.

1. Subjected to ** "harassment".

Ant Huabei does not repay the arrears, just like the loan on the online loan platform, there will be collectors at both ends of the three days to "remind" you to repay the money quickly.

2. Lower Sesame Credit Score.

The rise of Sesame Credit is very slow, and everyone can see that it rises more points every month, and less points rise or even do not rise directly! And once Huabei is overdue, the score will drop by "whoosh", as little as a few tens, and as many as more than 100 points or even more than 200 points.

3. Recorded in the credit report of the People's Bank of China.

Serious overdue may still be credited to the People's Bank of China's credit information, which will affect the application for car loans, loans, and credit cards in the future. Therefore, after Ant Huabei is used up, it is still necessary to repay the loan normally.

4. There will be overdue fees, overdue fees = overdue amount * overdue days *, if you do not change for a long time, plus the principal, it will be a relatively large amount of arrears.

The Huabei newcomer version can be closed and reopened. However, it is recommended that users should not easily close and reopen, because every time Huabei is opened, even if it is the Huabei newcomer version, the system needs to review the credit situation, and it is not that the credit status can be increased by re-blooming, and at the same time, the Huabei function is often opened and closed, which may lead to changes in the quota or even can not be opened again.

Huabei can be opened again after it is closed, taking Alipay as an example, you can refer to the following steps to open Huabei again.

1. After opening Alipay, click the "My" icon in the lower right corner.

2. Click the "Huabei" option in the list.

3. On the Huabei page, click "Agree to activate" according to the prompts.

4. Finally, verify your identity to complete the opening of Huabei.

Huabei. After closing, you can open it again, taking Alipay as an example, you can refer to the following steps to open Huabei again.

1. After opening Alipay, click the "My" icon in the lower right corner.

2. Click the "Huabei" option in the list.

3. On the Huabei page, click "Agree to activate" according to the prompts.

4. Finally, verify your identity to complete the opening of Huabei.