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HuabeiHere's how to cancel auto-repayment
You can close it on Alipay, open Alipay's My Interface, click the settings button, find the payment settings after entering, and you will see the automatic deduction option for the phone book after entering, after closing this option, Huabei automatic repayment will be canceled. Although the automatic repayment has been cancelled, you must remember to repay the loan in time when the time comes, and it cannot be overdue, otherwise it will affect the credit investigation.
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Huabei turns off the automatic repayment function:
Then select "Huabei" in "My" and click to enter the Huabei interface.
Then click "My" in the lower right corner of the Huabei interface and select "Auto Repayment Settings".
Once you're in the autopayment settings, select Turn it off.
Extended information: 1. Why is early repayment of Huabei taboo:
The reason why Huabei's early repayment is taboo: it is determined that there is no demand and the income is reduced.
1. Determine that there is no demand: If the user Huabei repays in advance, at least it shows that he has more funds in hand, and the demand for Huabei is not large, so it is easy for the background to reduce your Huabei and give the quota to people who are more in need.
2. Reduced income: Users often and habitually repay in advance, which will lead to less revenue from Alipay than expected, and in the long run, it is very possible to be closed by the platform.
3. Therefore, it is best to repay the loan when it is due, and do not repay it in advance, in any case, the early repayment itself is a breach of contract, which will lower the credit evaluation of the platform.
2. Why are the consequences of Huabei's application for installment serious?
1.When the borrower is unable to repay all the arrears in the current period, he can apply for Huabei installment.
2.Currently, Huabei supports monthly installment repayment.
3.The higher the number of installments, the higher the Huabei interest paid.
4.Choosing to repay in installments will not have serious consequences, but will improve your credit score.
5.Failing to make repayments on time will result in a bad record that will affect your future loans, etc.
The bill date of Ant Huabei is the 1st of each month, and the repayment date is the 9th or 10th of each month. The repayment time is from the 1st to the 9th (or 10th) of the next month after the receipt is confirmed, and it is worth noting that if Ant Huabei is overdue, it will not only charge 5/10,000 of the overdue interest on a daily basis, but also affect the individual's sesame credit score.
Fourth, how to use Huabei is the most cost-effective:
Huabei proposed to spend the next month first, that is, the repayment date of the amount paid by Huabei this month is the 1st of the next month, and there is a small trick hidden here: the amount paid by Huabei is subject to the confirmation of receipt, that is, the repayment is made before the next month date of confirmation of receipt. Therefore, it is possible to enjoy a longer repayment period if you calculate the time of placing the order and receiving the goods.
Operating environment: vivo iQOO 5 Pro; System; Software: Alipay.
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First, the front. After Alipay Huabei is overdue, it is generally impossible to do it if you don't want the system to automatically deduct the money, because the automatic repayment function is opened by default, and the system will automatically deduct the money from the Alipay account balance, bound bank card (except credit card), and Yue Bao on the repayment date for repayment.
2. Specific analysis.
Unless there is no money in the balance of the Alipay account, the bound bank card (except for credit cards), and the balance treasure, the system will naturally have no money to deduct. Of course, it is recommended to pay off the arrears as soon as possible, otherwise the overdue time will not only incur a lot of penalty interest, but also lead to serious damage to personal credit, and also affect the handling of follow-up credit business, and the Huabei function may also be restricted.
It should be noted that in fact, you can take the initiative to repay, and you can directly find the Huabei bill to repay the loan. Of course, you can also charge the money into the balance of your Alipay account, the bound bank card or the balance treasure, and then contact Alipay customer service to let the system make up the deduction as soon as possible.
It only needs to be in: Xiaoqi Xincha. Click on the query, enter the information to query your personal credit status, online black index score, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.
3. Will Huabei borrow the money received after the deadline to be deducted immediately?
After the Huabei loan is overdue, if there is money in the bank card bound to Alipay, the system will naturally deduct the money directly from it to repay the arrears. However, if the card that deposited money into is not bound to Alipay, the system will naturally not deduct the money from it.
It should also be noted that if you deposit money into your Alipay account balance or Yuebao, the system will also directly deduct the money from it to repay the arrears. After all, Huabei has opened the automatic repayment function by default, and the system has not deducted the money on the repayment date, so it will naturally make up the deduction later.
Therefore, after finding that Huabei is overdue, you must recharge the money as soon as possible, so that the system can deduct the money in time, and the shorter the overdue time, the less adverse effects will be bringed. If it is overdue for too long, not only will there be more penalty interest, but the credit damage will also be more serious, and most of Huabei will be frozen, and it is estimated that it will be difficult to handle the follow-up credit business.
If you are worried that the system will not be able to make up the deduction in time, you can also contact Alipay customer service to explain that you have repaid the money after repaying it, and remind the other party to deduct the money as soon as possible.
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2. Enter the "Alipay" home page and click on a "My", as shown in the figure below
5. In the "My" page, find "Auto Repayment Settings", as shown in the figure below
6. Click "Automatic Repayment Settings" to appear as shown below, and click "Automatic Full Repayment" to complete, as shown in the following figure
7. Another regard: Huabei repayment date setting function, as shown in the figure below
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Huabei automatic repayment is enabled by default, and the system will automatically repay on the repayment date every month, and if there is overdue, the system will also automatically deduct the amount every day after the overdue, please ensure that the account amount is sufficient. The order of automatic deduction is: 1
If you have set the payment order, you will be debited according to the payment order you set yourself (excluding credit cards). 2.If you have not set up a branch.
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If Huabei is overdue, it cannot turn off automatic deduction.
There is no overdue cancellation method, as shown in the following answers.
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How to set up automatic repayment in Huabei.
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Ant Huabei's auto-repayment cannot be turned off.
Huabei's automatic repayment function cannot be canceled, and the automatic repayment function is enabled by the system by default and cannot be revoked by manual intervention. Generally, from 13 to 24 o'clock in the afternoon on the day of repayment, the system will deduct the payment in turn according to the user's Alipay payment order until the bill amount of Huabei is paid off. Of course, if the user does not want to be automatically deducted, he can choose to manually operate the repayment of Huabei before the repayment date.
In addition, if there is no automatic deduction after 19 o'clock on the repayment date, the user can manually repay Huabei. In fact, Huabei's automatic repayment function can also avoid the occurrence of Huabei's overdue situation to a certain extent.
Benefits of using Huabei.
1. One more fund**.
Huabei's credit line generally ranges from 500 to 50,000 yuan, and most people's credit line will be around a few thousand yuan, which is equivalent to someone lending you thousands of yuan in vain, as long as you return it on time, you will not be charged interest, why not? You must know that there are many people who do not have this opportunity, and you can imagine how difficult it is to seek borrowing everywhere.
2. Enjoy preferential payment.
Huabei will launch some preferential red envelopes from time to time, which can allow users to directly deduct when paying for consumption, such as paying 5 yuan minus yuan, so that Huabei payment will actually only spend yuan, which is a real benefit, especially for some new users of Huabei, the intensity of issuing discounts is greater and more, and the specific situation shall prevail.
3. Release free capital.
If you usually spend your own money, then after replacing it with Huabei payment, this part of your own funds will be released and left idle, which can be used for short-term financial management for 1 month, or directly deposit this part of the funds into Yue Bao, which can be used at any time to have income, no matter how much the income is, at least it is beneficial.
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