What is the reason why Huabei can t be staged, and what s going on when Huabei can t be staged

As a payment platform of "consume first, pay later", Ant Huabei is deeply loved by people. Nowadays, many people use Ant Huabei to pay when they consume. But some people say that they want to go on stage with ant flower beds, but they can't go on stage.

So, what is the reason why Ant Huabei can't be staged? Take a look today.

1. The installment amount has not been reached.

If ants want to installment Huabei, the installment amount should be more than 10 yuan.

Second, the Sesame Credit score is insufficient.

If you want to use Ant Huabei for installments, your Sesame Credit score must be above 600 points.

Third, the application time is wrong.

When using Ant Huabei to purchase goods in installments, it should be noted that you cannot apply for installments immediately after the transaction. Huabei installment can only be applied for when you repay Huabei next month after you confirm the receipt. That is, Huabei installment can only be handled from the 1st to the 9th of the next month.

Four. It is not possible to apply for the full installment.

When applying for Ant Huabei installment, it should be noted that the installment amount cannot exceed 90% of your transaction amount, otherwise you cannot apply for Huabei installment.

5.I have applied for an installment.

It should be noted that you can only apply once a month for the Ant Huabei installment, so if you have already applied for the Huabei installment of the current month, you cannot continue to apply.

The above is in response to the question "What reason can't Ant Huabei be staged?" ”。There are certain requirements for applying for ant flower bed staging. If you find that you can't stage it when using ant flower beds, you can see if it's because of the five reasons summarized above.

Huabei. If it cannot be staged, it is likely due to the following reasons:

1.The consumer merchant does not provide Huabei installment service.

2.Huabei's current available quota is insufficient to pay the amount of the product (installments also need to be paid in a lump sum, but they can be repaid in installments).

3.The merchants who consume have not opened the Huabei money collection function at all, and they cannot use the payment method of Huabei.

4.The transaction amount of the commodity does not reach the starting amount specified in the Huabei installment (for example, if you consume in **, the starting amount of the Huabei installment is 600 yuan, and if the payment amount is less than 600 yuan, you naturally cannot use the Huabei installment).

5.The system detects that there is a risk in the current trading environment and restricts trading.

6.Huabei may be due to the customer's risky operations such as illegal cash-out and score swiping, or bad behaviors such as always changing equipment login, frequently changing bank cards, changing mobile phone numbers, etc., resulting in an increase in account risk, and the system is therefore subject to risk control.

account. 7.Recently, the repayment has been overdue, resulting in damage to personal credit, and the Huabei account has been frozen by the system.

Huabei cannot be used.

Staging, which may be due to the following reasons:

1.The available quota for Huabei staging is insufficient;

2.The merchant does not support it or the product does not support it;

3.If the installment amount does not reach the starting amount, **Tmall generally needs 600 to Huabei installment;

If the above conditions are met and the installment is still not possible, it is the system to evaluate that the current transaction cannot use Huabei installment, and it is recommended to change to other payment methods, which cannot be intervened manually, or you can choose Huabei payment, and use the bill to repay in installments after the subsequent billing.

Further information] Huabei has installment and bill installment.

1.Huabei installments.

When you place an order to pay, you can choose to pay in installments, and repay the loan on time according to the number of installments you have selected before after the account is issued.

Generally speaking, if a single transaction is 100 yuan or more, and the merchant supports Huabei installments, you can choose to pay in installments, which is subject to the display on your page.

2.Huabei bill installment.

Bill installment is operated after the Huabei bill is generated. Users can repay the bill amount in installments between the date of monthly billing and the repayment date (subject to the display on your page), which is generally optional, and the specific number of optional periods and corresponding handling fees are subject to the display on your page. After the installment, the amount that has been paid in the current month does not need to be repaid, and the first installment will be repaid from the next month.

Huabei's installment repayment will not affect the user's credit investigation. First of all, the act of installment repayment itself does not affect personal credit, and secondly, although Huabei has been connected to the credit system, there are no relevant regulations indicating that the normal use of Huabei installment will also be included in the credit investigation, so as long as Huabei installment repayment is made within the specified time, it will not affect the credit investigation.

Overdue repayment of Huabei installments will affect personal credit reporting.

Huabei said that under the guidance of the central bank's credit management department, Huabei is gradually promoting access to the basic database of financial credit information (central bank credit system.

In the future, the credit investigation service will gradually cover all users. That is to say, your Huabei installment record will also be uploaded to the credit system, if you say that your Huabei installment repayment is overdue, you will have a bad credit record, and more such credit records will have a negative impact on your personal credit.

Why is it not recommended to use Huabei staging frequently?

Huabei itself is a credit service, and users only need to apply for a credit line based on their own personal credit. Although Huabei is very convenient to use, I do not recommend users to use the Huabei staging feature frequently. If you pay in installments frequently, Sesame System may think that your repayment ability is not good, which will reduce your Huabei limit.

At the same time, some users will even be directly disqualified by Alipay, which will cause problems in your capital chain.