What is the refund limit for Huabei?

Huabei refund refund quota means that the order has not been confirmed to be received, the transaction has not been recorded in the bill, only occupies the Huabei quota, and does not need to be repaid.

On the contrary, if the receipt of the order has been confirmed and the transaction amount has been included in the bill, then the amount of Huabei's refund can be directly deducted from the bill repayment amount, that is, Huabei will be refunded to the monthly bill. In the event of a refund for Huabei transactions, you don't have to worry about where the quota goes, either the Huabei quota is returned or the repayment amount of the bill will be automatically deducted, and the user does not have any loss.

The money refunded to the Huabei quota can be used in Huabei for the next payment. If the refund is initiated before the transaction confirms the receipt, the returned money will be used to restore the consumption limit of Ant Huabei used at that time, and there will be no Ant Huabei bill, and there is no need to repay the loan. If you initiate after-sales rights protection after the transaction confirms the receipt, the refund will be refunded to the Huabei bill first, and you can check the details of the Ant Huabei quota.

If you use Huabei to pay, if there is a refund, there will generally be three situations, return the Huabei quota, return the bill or return the balance. If the transaction is paid with Huabei, but the receipt is not confirmed after the transaction is successful, and it only occupies the Huabei quota, the money will be returned to the quota and can continue to be used. If the transaction has been credited, then after the transaction is returned, the funds will be refunded to the bill to deduct the amount of the bill, if all the bills of Huabei have been paid off and the quota is not occupied, then the returned money will be returned directly to the balance of Alipay.

After the money is returned to Huabei, there will be the following three situations: it has been repaid to a monthly bill: if a refund occurs after the transaction is received, the refund funds will be returned to Huabei bill for automatic repayment; Huabei quota has been restored:

If a refund occurs before the transaction is received, the refund funds will automatically restore the Huabei limit, and no bills will be generated and no repayment will be required; Refunded to Alipay balance: If the refund occurs after the transaction is received, and the bill has been repaid, the refund funds will be directly returned to the Alipay balance; If the merchant deposit is unfrozen and refunded, the refund funds will also be returned to the balance of Alipay.

Direction of refund for instalments: If a refund is requested without receiving a confirmation and the full refund request is successful, the instalment bill will be cancelled and the spending instalment quota will be restored. Installment bills will not be incurred and will not need to be repaid; If the partial refund request is successful, the corresponding installment bill will be generated after the transaction is successful.

The invoice amount is equal to the order amount minus the amount of the successful refund.

Huabei. There are three types of refunds, only in the case where Huabei refunds to the bill, there will be a change in the repayment amount, and the other two cases will not.

The three scenarios are:

1. The refund page shows "Huabei bill returned", if you initiate after-sales rights protection and apply for a refund after the transaction confirms the receipt, then Huabei will give priority to the refund to offset the bill of the current month. In the case of successful offset, the repayment amount will be changed only after Huabei has refunded.

2. The refund page shows "Returned Amount".

If the refund is initiated before the transaction confirms the receipt, the refund will be used to restore the Huabei consumption credit used at the time of payment. In this way, the Huabei quota used will be restored, and the refund amount will not be included in the bill generated in the current month, and there will be no overpayment.

3. The refund page shows "Balance Returned".

There are two situations in which Huabei will refund the refund to the Alipay balance. The two scenarios are:

1. Initiate an after-sales refund after the transaction is confirmed, and if the Huabei bill has been paid off, the Huabei refund will be refunded to the Alipay balance.

2. If it is a deposit.

Refunds of the unfrozen type will also be refunded to the balance.

Extended information: After Huabei is refunded to the quota but the repayment amount remains unchanged, it may be that the refund is initiated after the transaction confirmation of using Huabei, and in the case of Huabei bill payment, the refund will be refunded to the Alipay balance; In addition, when the refund is initiated before the transaction is confirmed, Huabei will not be included in the bill if it is not confirmed, and the repayment amount will not change at this time.

Users must repay on time after using Huabei on a daily basis, and there can be no overdue situation, it should be noted that Huabei will be uploaded to the credit information center when it is overdue, resulting in personal credit reporting.

Deteriorated. After Huabei expires, it will affect normal use, and it will not be closed for a long time.

When Huabei cannot be returned on time after use, you can use installment repayment or deferred repayment, and the number of installments you can choose is period, and the installment rates are .8%；However, it can be returned in advance after the installment, which can save the cost of handling fees. Operating Environment:

Alipay version:

Huabei refund to the quota refers to the refund applied for before the transaction confirms the receipt, and the refund is used to restore the Huabei consumption limit, and no more bills will be generated and no repayment will be required. The Huabei order has been repaid, and after the refund is successful, the money will be returned to the buyer's Alipay. If the buyer has not repaid the loan, after the refund is successful, the money will be immediately returned to the buyer's Huabei limit, and the returned part of the money does not need to be repaid.

When using Huabei, the buyer needs to have the Huabei function, and the credit is good, and there is no restriction on payment. Payment orders are combined with payment, and there must be many orders and goods that support Huabei. The buyer of the order cannot purchase shipping insurance and cannot pay for others.

Huabei refunds need to be judged according to the status of the transaction, and the refund of unconfirmed receipt orders is a refund of Huabei's recovery quota. If the bill has been generated, the funds will be returned to the account balance when the bill is paid off in the current month. If it is returned in the form of a deposit, the balance will be refunded, and the rest will be refunded to the Huabei repayment bill, not for the transaction.

Huabei is a scene-based credit consumption tool in the Internet era, and users can use Huabei's quota to enjoy the shopping experience of "consume first, pay later" when consuming. The system will evaluate whether it supports the opening according to the comprehensive usage of the Alipay account, which shall be subject to the page display. The so-called manual opening of Huabei on the Internet, the manual increase is not true, and users need to distinguish the authenticity.

Huabei is a consumer credit product launched by Ant Financial in April 2015, and users can get a consumption limit ranging from 500 to 50,000 yuan after applying for it.

When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later". On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, becoming the first Internet consumer finance ABS on the Shanghai Stock Exchange.

Operating Environment: Brand: Apple 12

System version: iOS14

Alipay version: