Ant has reduced the Huabei quota for some users, what is the official explanation for this?

The official reply that their credit score is too low, and it does not meet Huabei's high standards at all.

In order to advocate more rational consumption. Mainly, some young people found that their quota was reduced to half of the original and only about 3,000.

Officials believe that this measure is to guide users to consume reasonably, because according to the data, many users have excessive consumption.

Some netizens who use Alipay found that their Huabei has been reduced, but in fact, there are many netizens who do not have any problems with their credit information. Originally, many netizens used to have a high quota for Huabei, but it was reduced a lot, and even some people only had a few hundred yuan, and many people appealed, but no progress was made, and many netizens also said that they would never use Huabei again.

The reason why Huabei will adjust the quota is that Huabei will actually authorize it according to the individual's credit history, if there is a bad record in the past, such as including multiple overdues, often the minimum repayment, the distribution system will determine that the risk of overdue is very high, and the person's Huabei quota will be reduced. If you don't use Huabei often, then it is likely that the amount will be reduced to the minimum, or even only 500, and there are some people who make some improper profits through Huabei, such as often making some large consumption, and then quickly transferring in and out, which involves false consumption.

In fact, Huabei is equivalent to our credit card, and the use of Huabei is more simple and convenient, now many merchants have Alipay, we are using Huabei to pay, but this will stimulate our desire to consume, before, if you don't have money to buy something, but through Huabei, we can choose to consume in advance, which will further amplify our desire to buy.

Now Huabei is connected to the credit system in the background, if we have a large number of overdue in Huabei, it can be seen on the credit information, including some financial software such as Jingdong Baitiao, so everyone must be rational in consumption, if you find that your Huabei has been reduced, then it may be that we have a large number of overdue records, or there are some violations, in fact, I recommend that you do not use Huabei, to achieve reasonable expenses.

Because some netizens like to consume ahead of time, Huabei's reduction in quota is still quite a big blow to them.

Because many netizens feel that Huabei should take this opportunity to make money, instead of derating, some people are reluctant to use this product.

Everyone thinks that this practice is not particularly good, and it will also affect their rights and interests, so they are particularly incomprehensible.

The Ant Huabei quota cannot be lowered by itself, but you can set a quota by yourself, and the specific setting method is:

1. Open Alipay, find the Huabei option in my interface, and click to enter.

2. Find the My Quota option in the Huabei interface that opens, and click to enter.

3. In the My Quota interface, click the Total Quota option below.

4. After that, enter the amount you need to set, and click OK below to adjust.

The reason for the sudden reduction in the quota of Alipay Huabei is: the result of a comprehensive evaluation by the official of Alipay Huabei. The Huabei quota will be dynamically adjusted from time to time according to the user's accumulated usage records on the platform.

After the adjustment, the quota may be increased or decreased.

If you don't want your Huabei limit to be reduced, you need to increase Sesame's credit score as soon as possible and maintain good credit. If Sesame Credit suddenly decreases very much, it will also lead to a decrease or suspension of the Huabei limit. Generally, the reasons for the sudden and substantial reduction of sesame credit are that the ant loan is overdue.

Huabei is determined according to your consumption, if you consume less, your quota will definitely be low, if you don't use it for a long time, it will drop from your original limit, if you want to go up your forehead, you must often use Huabei online or offline physical stores to consume, and the quota will slowly grow.

Mainly for those who do not repay on time. Everything else is secondary.

Huabei cash-out: Huabei cash-out is not allowed, once found, the system will reduce the Huabei quota as a warning, and more seriously, directly close Huabei.

Late repayment and non-compliance of Sesame Credit have been recorded: always overdue repayment or non-repayment is the main reason for Huabei's downward adjustment, and the system will consider that the user's credit is weak, in addition to reducing the limit, it will also reduce the credit.

The system raises the threshold: With the strengthening of the CBRC's supervision, the platform or Alipay system will raise the threshold by lowering the quota.

The Huabei quota is provided based on the records accumulated on the platform, because the various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic, when the behavior in a period of time is good and in line with the quota increase policy, the corresponding quota may be increased, otherwise, the quota may be reduced, or even the right to use the service may be restricted.

When you repay the loan yourself, if there is a default, Alipay will downgrade your credit rating, so there will be a decrease in the limit.

The basis of the Huabei quota is provided on the records accumulated on the platform, because the various behaviors and transactions on the platform are dynamic and changing, and the corresponding quota is also dynamic.

You can set the quota by yourself (the value of the quota must be less than the current quota value).

Mainly for you who don't repay in time. Everything else is secondary.

The reduction of the Huabei quota is caused by your own setting, and the method of setting the Huabei quota is as follows:

1. Open Alipay and click "Huabei" in "Me".

2. Click "I" in the lower right corner of Huabei.

3. Click "Quota Management".

4. Select "Adjust Limit".

5. Enter the amount you want to adjust and click "Confirm Adjustment".

6. Enter the verification code to verify, and at this time, your Huabei quota will be reduced.

The Huabei quota will be dynamically adjusted from time to time based on your accumulated usage records on the platform. After the adjustment, the limit may be increased or decreased, so it is recommended that you maintain the activity of Alipay and pay attention to the changes in the quota of Huabei.

Huabei is determined according to your consumption, if you consume less, your quota will definitely be low, if you don't use it for a long time, it will drop from your original limit, if you want to go up your forehead, you must often use Huabei online or offline physical stores to consume, and the quota will slowly grow.

This quota is provided based on the records you have accumulated on the platform, because your various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic, when your behavior is good in a period of time and in line with the quota increase policy, the corresponding quota may be increased, otherwise, the quota may be reduced, or even restrict the right to use the service. If Huabei is closed, it will also have this impact, and the quota may change or it can no longer be opened.

Another situation is that if the quota is consistently higher than the actual usage rate, the quota will also be reduced, and the official will allocate this quota to the account that needs it.

It could be that you are late in making payments, or other illegal actions.

This [various] game is tired of playing [credit card] or tired of playing [amount of money], and we [beibai] play other games [strip to]. We climbed up the neem tree, picked the neem seed, [micro], picked the neem seed, and opened the neem tree next to the neem tree, and the green neem tree shuttled back and forth, and the battle was very fierce. It didn't end until one side begged for mercy.

The most interesting thing is that there are no more "bullets" on one side

Huabei is facing a quota reduction, and Ant's trillion consumer credit will be compressed to 100 billion! After the bank's participation, the brand isolation was launched, in other words, if Huabei wants to continue to operate, it must replenish the corresponding capital! The bank fully funded the loan, so it won the credit loan, and the proportion is large, carrying a large amount of consumption and so on!

And Ant Financial was unable to inject enough funds, which meant that Ant's credit business had to shrink! It is quite difficult for Ant Financial to reduce leverage on the one hand, and replenish funds on the other hand, and in this situation, Ant Financial can only carry 100 billion to 500 billion capital from the perspective of leverage accommodation!

Ant Financial actually doesn't want to give up large consumer loans, after all, this is the bulk of making money, but Ant Financial has no choice but to accept the current result! We can only continue to develop financial loans that focus on small and medium-sized consumption! Ant's trillion consumer loans have shrunk, and the most intuitive feeling for everyone is that the amount has dropped more than ten times, from tens of thousands to thousands overnight!

After the isolation of the Ant Financial brand, it can be said that it has affected the experience of many users, and the loss of Ant Financial is continuous, and if it does not continue to inject capital, it may be more serious in the future! The reduction of Huabei's quota is a helpless move, and Alipay can only keep the small and medium-sized credit business in this way!

It's all about it. Huabei reduced the quota, which surprised many users! This shows that Huabei is closely related to some users!

Huabei suddenly implemented brand isolation, and the users were caught off guard, which also shows that users should consume rationally in the future and try not to consume ahead of time, otherwise they will suffer the consequences! Financial leverage is for the purpose of adjusting the risk rate, and we should look at it rationally!

Risk. Huabei is divided into two, in the final analysis, it is to avoid consumption risks, and ultimately guide rational consumption! Huabei has been divided into two, and the phenomenon of advanced consumption is almost gone, which is the ultimate goal of adjustment!

Huabei is facing a quota reduction, and users are being reduced on a large scale, what do you think about this matter?

This practice is to cooperate with the relevant departments to tighten preventive measures in the credit sector, so as not to let some people expect that the credit investigation is unreasonable, and some people will play tricks.

Have you ever overdue Huabei? How long is overdue.

These lines of credit are repaid and will also facilitate repayment by increasing interest so that they can pay them all**.