Huabei adjusts the quota for young users, is your Huabei quota enough?

It's enough, it's just a temporary borrowing every month, so it doesn't use much of a high amount, but I have to say that Huabei has provided us with great convenience.

It's enough, I can't even use it up. I usually only use a little bit, because the amount of Huabei is relatively high, and I don't have a particularly large consumption.

Of course, I have enough money to spend, because I usually spend very little, and most of it is my wife who spends money.

My Huabei quota is sufficient, the current quota is equivalent to more than a month's salary of mine, and there are few cases where I need to overuse it, so I think this quota is just right.

With the emergence of the online loan industry, everyone has enjoyed a lot of convenience in online loans, but at the same time, they have also encountered problems. In the process of using Huabei, some friends want to adjust their Huabei quota. So, can the Huabei quota be adjusted? Here is an introduction to the relevant situation.

Here we will introduce the situation from the two aspects of "Huabei quota increase" and "Huabei quota reduction".

The Huabei quota has been increased

The Huabei quota can be increased and there is no upper limit. However, whether the Huabei quota can be increased is automatically decided by the system, and human beings cannot intervene. The behaviors that help Huabei increase the quota are:

1. Actively use Huabei and maintain a good loan record;

2. Increase the frequency of use of Alipay, and use Alipay more for shopping, living expenses, transfer and financial management, public welfare activities, etc.;

3. Use Alipay's social functions to interact with friends and participate in Alipay's discussions.

4. Accumulate your own good performance record through various deposit-free activities in Alipay.

The amount of Huabei has been reduced

Within the existing credit line, you can adjust your Huabei limit to a multiple of 100, and the minimum amount is not less than 500 yuan.

Adjustment steps: Mobile Alipay My Page Huabei Home Page Settings Home Page Quota Settings Total Management.

It should be reminded that the Huabei quota can be adjusted once a month, and it cannot be revoked after the operation. If you receive a temporary quota, the total quota cannot be adjusted.

The above question of whether the Huabei quota can be adjusted, you can take corresponding measures according to your actual needs.

<> use Huabei for the first time, the amount ranges from 500-50,000 yuan. The quota of Huabei is automatically approved according to the individual's usage and assets. Under normal circumstances, the amount of Huabei for the first time is not large, and with the continuous use of users, the amount of Huabei will increase, but users must repay on time when using it, and only in this way will the limit be increased.

The quota of Ant Huabei is granted based on the user's accumulated consumption, repayment and other behaviors on the platform, and when the user's behavior is good in a period of time and meets the quota increase policy, the corresponding quota may be increased.

Extended information: When using Huabei, you must pay attention to repayment on time, the monthly repayment date set by Huabei is the 9th of each month, and some users are also on the 10th, and the amount used before this must be repaid in full.

If the repayment is not made in time, the amount of Huabei will be reduced, and more seriously, the user's Ant Huabei may be directly closed, and you will no longer be able to enjoy such a convenient function. In addition, if the repayment is not made on time, the sesame credit score of the individual will also be affected.

Generally speaking, the initial amount for new Alipay users to open Huabei is relatively low, most of them are between 500 and 10,000. The approval of the specific amount is determined by the system according to the user's behavior and consumption habits, and the consumption data and behavior data of new Alipay users are relatively small, so it is more difficult to obtain a higher limit. However, with the increase in the number of subsequent uses and the improvement of personal credit information, the limit will also increase.

The Huabei limit is the same as the credit card limit, and the limit will be different for different users, some high and some low. The Huabei limit is between 500 and 50,000 yuan, and Alipay will approve the initial amount after a comprehensive evaluation according to the user's consumption, historical credit and sesame points, which means that the minimum amount for the first opening may only be 500 yuan, and the amount can be increased.

Huabei cannot be actively applied for by users, and can only be automatically raised for eligible users after being reviewed by the system. In order to increase the quota of Huabei as soon as possible, Huabei users should pay attention to the following points during use:

1. Repay the loan on time. Needless to say, it is necessary to repay the loan on time, and at the same time, it can also improve the sesame credit score, which is the most cost-free way to raise the amount of Huabei;

2. Use Huabei to pay. For example, living expenses, phone bill recharge, ** shopping, in short, where Huabei can be used, try to use Huabei to pay;

3. Auxiliary authentication. Supplementing the office certification, academic certification, social security provident fund, vehicle certification, etc. in Huabei and improving the sesame credit score is the key to raising the amount.

4. Participate in quota raising activities. There are very few activities to raise the amount, pay more attention to the latest activities of Alipay, and actively participate in Qiaozaijia.

Adjust to 500 yuan, and exceed the limit.

I used to be a conservative consumer and didn't even have a credit card.

Since I used Huabei, I don't know how much each person consumes, and because there is no pain in this kind of early consumption, the money spent is like whether it is my own, and I buy everything I see.

As a result, everyone also thought that it was very uncomfortable to repay the loan every month, which was really like cutting meat, and it was completely painful.

What's even worse is that I didn't expect to spend so much.

My Huabei quota has risen from 150 yuan to 6,000 yuan in three months, which is a qualitative leap.

Before opening Huabei, all my monthly consumption added up to less than 2,000 yuan.

1. If the Huabei quota can be adjusted by myself, I must adjust it to 500 yuan.

I spend not only Huabei every month, but also credit cards, and sometimes I use cash or savings cards. These costs add up to less than 2,000 yuan.

As an ordinary person living in a fourth-tier city, I feel that my monthly consumption is not too small.

But after having Huabei, I didn't have any idea of what I spent in the first two months, but it definitely exceeded 5,000 yuan, or Huabei wouldn't have raised my quota to 6,000 yuan.

This is a serious overrun in my opinion, and I really regret it. The key is that many of the things you buy are useless at all, and they are all impulse purchases.

Second, this kind of early consumption is a postponement of pain, which really makes people a little numb, as if it is not their own money.

Paying with Huabei gives people the feeling that the money is not their own money, and the feeling of not spending it in vain.

However, when it came to the second month's repayment date, it was really sad, and it felt like how it was possible to leave so much money at once, and let people live.

In fact, this kind of early consumption really doesn't make people feel pain, but they feel that the feeling of buying things is very cool, so it is easy to spend too much. Then the repayment was particularly sad, but when I spent it in the second month, I forgot about it and began to spend it unscrupulously.

This consumption method should be borrowed from credit cards, allowing people to spend in advance and delay the pain. However, when it really hurts, it is even more uncomfortable than before.

If Huabei can really adjust the quota by itself, then I will definitely be able to adjust it without a smile. Counting the consumption of other platforms, the amount I get from Huabei should be about 500 yuan, and I basically can't use it if I have more.

I'm really helpless about the fact that the amount of Huabei has been rising now, and I don't want it to go up, because I can't afford to pay it back because I consume too much.

How much do you want to adjust your Huabei quota?

My words may be adjusted to less than 500 yuan, because Huabei is only for your occasional needs, and it is absolutely impossible to become the dominant consumer in life, and the amount is too high to make you consume too much in advance, and you can't afford to pay it back in the future.

I'll move to around 4,000 yuan, because I can afford the pressure.

It won't be worse than about 1,000 yuan, because I don't think I can owe too much money.