Can I really not return the Huabei I use?

No, you can't return the flowers. If you don't pay back Huabei, it will directly affect your personal credit, and now many young people think that you can not pay it back if you uninstall Alipay, and if you don't pay Huabei, it's not the same as your loan.

No, you cannot. If you don't repay Huabei, it will directly affect your credit information, and if your credit is not good, you will be blacklisted by the state, resulting in great resistance to future loans, and if you are listed as a national dishonest person, it will have a very big impact on your future life.

If you meet these three requirements, you can not pay it back. Alipay's Huahua card, which is a new way to play launched by Alipay in the Jiwufu activity, can be opened with a different Huabei card throughout the year without paying back Huabei for a year. There is also Alipay's "Koi" activity, and users who win the lottery can get a Huabei quota of 100 million yuan, which is a bit like buying a lottery ticket.

Finally, if the user has an accident and has no guardian, he can not pay back Huabei.

As an emerging Huabei, now non-repayment has been included in the personal credit reporting platform, which affects their own integrity, so it is even more important to repay the money.

Delete Alipay, change the mobile phone number, can Huabei not pay it back? In fact, none of them can run.

If you don't pay back Huabei, the most direct consequence will affect a person's personal credit.

I think that at the time of this problem, I need to focus on how to face up to our personal credit problem, because if a person doesn't even know the problem of credit reporting, he definitely doesn't know what the consequences of not paying back Huabei.

Huabei is essentially a credit fund.

We can understand it this way, in fact, the money we spend from Huabei and borrowing is the money we borrow, and the money in it does not belong to our income, but to our loans. Although the word loan seems to be far away from many students, when we are using these Huabei products, we are already taking out consumer loans. For minors who are unable to repay, an early overdraft of credit funds is likely to put the person in a financial abyss.

If you don't pay it back, it will affect a person's personal credit.

We must know that everyone has their own personal credit, personal credit will affect a person's purchase of a house and car, and even affect a person's daily travel, if a person's personal credit is broken, this person is likely to not even be able to sit on the high-speed rail and plane, and travel will be greatly restricted. For those who have bad personal credit, we often refer to this person as an old man, that is, a person who does not repay his debts.

The problem of Huabei must be taken seriously.

Some people may think that Huabei is just a product of Alibaba, in fact, Huabei has already been connected to the central bank credit, if you don't pay back Huabei, you will definitely think of your personal credit, don't because of these tens of thousands of yuan or even thousands of dollars affect your life, so it will be too much to lose. <>

If you can't repay Huabei in a short period of time, you should try to find relatives and friends around you to turn over at this time, because no matter what, you will definitely not be able to rely on this money. This is also an important reason why it is said that it is not easy to borrow credit funds, because many people do not have a normal financial concept at all.

If you don't repay Huabei, you will be listed as a dishonest person, unable to buy tickets to travel, and unable to take out a loan.

What about your waywardness?

If the Huabei user fails to repay the repayment amount before 24 o'clock on the repayment date, and the repayment is overdue, it will affect the personal credit record.

In fact, you don't have to worry, this is a secret trick of Huabei to collect money. That is to say, this "credit information" is not the other "credit information", the credit information mentioned in the Huabei contract is not the credit information of the central bank, and the credit information they mention is just to upload the Huabei loan and repayment records of each user to some commercial information agencies such as Sesame Credit, which only affects the credit evaluation of the lending platform affiliated with these private credit reporting agencies.

However, although it will not be on the credit report, don't forget that there is also Ma Yun's sesame system, the influence of sesame credit, needless to say, now is the era of big data, every data is interoperable, if you have an abnormal network black big data and high frequency of use, it is possible to be subject to Alipay big data risk control, and I also learned that many users' borrowings have been closed, if the use is normal but closed, it may be that the lending data or borrowing frequency is too high and then judged to be risky, for this aspect, you can search for the WeChat public account, Micro Consortium, after entering, you can obtain and know its own data indicators and risk situation. If it is really high-risk, it is normal to be closed or not raised or even not to increase the sesame points for a long time!

In general, don't have the idea of overdue, come out to mix, always have to pay it back, don't bet on your own credit, otherwise you will definitely regret it in the future, so you should be cautious when using this kind of product in ordinary times! Don't wait until it's easy to borrow money, it's hard to pay it back!

The consequences of Huabei not being returned are as follows:

1. Affect credit investigation, after Huabei is overdue, it will truthfully upload the borrower's overdue behavior to the central bank for credit investigation;

2. Affect Sesame Credit, as a credit product of Alipay, Huabei's overdue records are credited to Sesame Credit in the Alipay system;

3. Affect the use of Alipay's products such as Huabei, and after the Sesame credit score is reduced, it will fully affect the normal use of Alipay's other credit products, resulting in a decrease in the quota and functional restrictions;

4. High overdue penalty interest, penalty interest will be charged according to the daily interest rate after overdue;

5. Affect future loans, Huabei will not also lead to poor credit information, which will affect future loans.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, after applying for opening, you will get a consumption limit ranging from 500 to 50,000 yuan, and users can advance the amount of Ant Huabei when consuming, and enjoy the shopping experience of "consume first, pay later".

The statement date of Huabei is the 1st, 5th and 10th of each month, and the repayment date is the 10th, 15th and 20th of each month; It should be noted that users who have just opened Huabei can only have a billing date on the 1st, and they can apply for a change after one year of use, at which time they can adjust to which day is suitable for their income.

If Huabei cannot be repaid on time after use, in order to avoid overdue, the system provides users with installment repayment and deferred repayment functions, and the installment repayment can be selected for the number of periods, and the installment rates are respectively, usually according to their own income.

The specific method of online loan repayment is as follows:

1. One-time repayment, that is, a one-time repayment of the principal and interest of the loan;

2. Installment repayment, the main purpose of choosing installment repayment is to reduce the pressure of repayment, and the specific installment period can be agreed by both parties;

3. Pay interest on a monthly basis and repay the principal when due;

4. Equal principal;

5. Equal principal and interest.

Operating Environment: Brand: Apple 12

System version: iOS14