A platform similar to Huabei, similar to Huabei s consumer software

There are platforms similar to HuabeiJingdong white strips, installment music, Suning willful pay,Fun staging

Jingdong Baitiao is very similar to Huabei, you can shop in installments on Jingdong**, and there are often interest-free coupons.

Installments, with a maximum amount of 50,000 yuan, can be used to purchase electronics, daily necessities, etc.

Suning pays capriciously, with a maximum amount of 200,000 yuan and a maximum use period of 5 years.

Fun installment, fun installment, like Huabei, is applied through Alipay.

The full name of Huabei is Ant Huabei.

It is a consumer credit product launched by Ant Financial, and after applying for activation, you will get a consumption quota ranging from 500 to 50,000 yuan.

When consuming, users can advance the amount of Ant Huabei and enjoy"Spend now, pay later"The shopping experience.

First, the front. In the credit market, there are software similar to Ant Huabei, such as:

2. Specific analysis.

1. Jingdong Baitiao.

Baitiao is a credit payment tool launched by JD Finance, which can be consumed in advance like Huabei, and users can use Baitiao to enjoy first-use-pay-later and installment shopping services on JD.com**, up to 24 installments.

2. Suning pays willfully.

Wayward Pay is a personal credit consumption installment product launched by Suning Finance, which can be used online and offline by Suning to enjoy the shopping experience of "consume first, pay later", and can also choose up to 24 installment repayments.

3. Zhaolian credit payment.

CMU Credit Payment is an Internet consumer installment product of CMS Financial, which allows users to apply for it in installment installments** and consumption scenarios such as education, medical beauty, and decoration, and can enjoy interest-free payment for up to 40 days and installment payment services for up to 24 installments.

4. Vipshop flowers.

Vipshop is a consumer loan product under Vipshop Finance, which provides a payment method of "consumption first, repayment later".

Users can use Vipshop to pay for purchases in Vipshop, divided into 3 6 9 12 installments.

However, it should be noted that Huabei does not provide borrowing services, mainly for consumer payment, and the same is true for Baitiao, Wayward Payment, Zhaolian Credit Payment, and Vipshop.

Just need to search: Beijian Quick Search. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, 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. When can Huabei increase the quota?

Huabei does not clearly stipulate how long the use period can be increased, and the Huabei increase is generally evaluated by the system from time to time on account usage, consumption repayment records, credit status, etc., and then judged according to the evaluation results.

If the overall score of the system has increased a lot compared with the past, the estimated amount can be increased to a certain extent; If the comprehensive score of the system does not change, the amount will naturally not change much; In addition, if the overall score of the system decreases, the quota is likely to be lowered.

Therefore, some may have used it for three or five months, accumulated good credit, and the Huabei quota has been increased; Some may have used it for a long time, and Huabei has not been able to raise the amount.

If you want to raise the amount of Huabei, you can usually use Alipay and Huabei more to ensure sufficient activity in the account and accumulate good credit.

In addition, you can also save more money into Alipay, appropriately buy some Yuebao financial products, and increase personal assets in Alipay, which will also help to increase the quota of Huabei.

In addition to Huabei and Baitiao, there are the following credit payment tools that can be consumed in advance.

1. Suning Wayward Pay: Suning Wayward Pay is a personal consumption installment brand under Suning Finance, which can also allow consumers to enjoy first and pay later, and monthly bills can also be paid in installments, with up to 24 installment repayments.

It can mainly be consumed online and offline in Suning, covering home decoration, home furnishing, department stores, FMCG, travel and other scenarios.

2. Zhaolian Credit Payment: Zhaolian Credit Payment is an Internet credit payment product of Zhaolian Financial, which allows users to enjoy interest-free payment services for up to 40 days and installment payments for up to 24 installments.

It can mainly be used in the consumption scenarios of Zhaolian Financial's own e-commerce platform and cooperative merchants.

3. Meituan Monthly Payment: Meituan Monthly Payment is a credit payment service provided by the Meituan platform to individuals with "spend this month and repay next month", within the available limit, after selecting the monthly payment method, the bill of the previous natural month will be issued on the 1st of each month, and the 8th of each month is the repayment date.

Meituan, Dianping, Maoyan Movie, Meituan Takeaway, Meituan Taxi, Meituan Bicycle, etc. can all be used (for the time being, it does not support scenarios such as user scanning code payment, merchant scanning user payment code, credit card repayment, etc.).

If you don't know the situation of your own network black big data, you only need to search: Xiaoqi Xincha, click on query, and enter information to query your own Baixing credit data. However, with the establishment of Baihang Credit, almost all overdue online loans will affect personal credit in the future, so everyone must pay attention to what they can when borrowing money.

Extended Information: How to Restore the White Bar Closed?

If you want to restore the white bar after it is closed, log in to the JD Finance APP, enter the white bar page and re-apply for the opening, and the system will review it.

However, it should be noted that there is no guarantee that the white bar account can be reopened 100%.

If the system fails to pass the review, the reopening will fail.

At present, you can only activate one white strip account with the same ID card and the same mobile phone number, so you can't apply for another white strip, you can only continue to accumulate good credit, and then try again.

It is precisely because of this that it is recommended to think carefully before closing the white bar, if there is still a need to use it after confirmation, then do not easily cancel the account, you can lock the account key Hu Gaohu first, and then use it later, and then unlock it on the account security page of the white bar, and enter the verification code to confirm it can be completed.

Of course, if the white bar is closed by the system, then you must first find out the reason for the closure and solve the problem before you can restore the account, otherwise don't think about reopening successfully.

For example, if it is overdue, then you have to pay off the overdue arrears quickly, and then take care of your credit, and wait for when your personal credit level will improve before you have the opportunity to restore the white bar.

Ant Huabei is a consumer credit product launched by Ant Financial, which allows you to enjoy a shopping experience of "consume first, pay later". If many people are in a hurry to use money, they will use Huabei. So what are the software similar to Huabei?

1. Jingdong white strips.

Jingdong Baitiao is an Internet consumer financial product launched by JD.com that "consumes first, pays later", which is somewhat similar to Huabei. If the user uses Baitiao to make payment on JD.com**, he can enjoy a postponement payment period of up to 30 days or an installment payment method of up to 24 installments. Its rates are between to.

The maximum amount is 15,000, but most of them are around 2,000 to 7,000.

Two lines of wood, Vipin flowers.

Vipshop is an online shopping service launched by Vipshop that "consumes first, repays later", which is a consumer credit product under Vipshop Finance. There are 3 to 24 installments that can be paid in as many installments as you like, and the daily interest rate is as low as long. And the amount is generally around 1,000 to 6,000.

3. Pay willfully.

Wayward Pay is a small consumer loan product launched by Suning Consumer Finance, users can spend first and pay later, borrow and repay at any time, and also has a 30-day interest-free period. The maximum quota is 300,000, but the initial opening is generally only about 3 to 5,000. The daily interest rate is around.

IOUs. Launched in September 2016, 360 IOU is a personal and small and micro credit platform under 360 Finance, which evaluates customer credit based on 360 big data and provides instant consumer loans on this basis.

2. Xiaomi Finance.

Xiaomi Finance is a Xiaomi company.

Its personal comprehensive financial service platform provides services around personal financial needs, including but not limited to: investment and wealth management.

Loans, **, insurance, etc.

3. Micro loans.

WeLoan is the first Internet bank in China, WeBank.

Invited users can currently see the "Weparticle Loan" entrance in the "QQ Wallet" of QQ on their mobile phones and the "WeChat Wallet" of WeChat, and can obtain a maximum loan amount of 300,000 yuan.

4. Jingdong white strips.

Jingdong Baitiao is a new payment method of "consumption first, payment later" launched by JD.com, using Baitiao to pay in JD.com**, you can enjoy a maximum of 30 days of deferred payment period or a maximum of 24 installment payments, which is the industry's first Internet consumer financial product.

5. Jingdong gold bars.

JD Gold Bar is a cash lending service tailored by JD Finance for JD Baitiao users with good credit. The maximum repayment period is 12 months by default, and it can only be operated through the JD Finance APP.

Extended information: The full name of Huabei is Ant Huabei.

It's Ant Financial.

A consumer credit product launched will receive a consumption quota ranging from 500 to 50,000 yuan after applying for opening. 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 launched on the Shanghai ** Stock Exchange.

listed, which is also the Shanghai Stock Exchange.

The first Internet consumer finance ABS.

As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan with registered capital.

from $3.8 billion to $12 billion. On May 18, Huabei announced that it would be open to banks and other financial institutions.

On September 22, 2021, Huabei has been connected to the central bank's credit information system, and it will not be available if the user refuses to access it.

At present, there is no interest-free software for daily consumption similar to Huabei.

2. Online loan platforms such as WeChat Micro Loan, Alipay Borrowing, 360 IOU, Jingdong Gold Bar, Youqian Hua, Xiaomi Finance, etc., need to lend money out first to scatter their thoughts and then consume, and need to pay interest, and you can receive interest-free coupons when you participate in the activity.

3. Consumption platforms such as Jingdong Baitiao, Zhaochong Lianlian Credit Payment, Suning Wayward Flower, and Meituan Monthly Payment have interest-free periods for consumption in specific scenarios.

There are the following credit products similar to Huabei.

1. Jingdong Baitiao.

As an Internet credit payment product launched by JD Finance, Baitiao can also allow users to enjoy the consumption body fluid test of "consume first, pay later", and the interest-free days are tens to 40 days; In addition to using now, pay later, it also provides installment shopping services, up to 24 installments.

2. Meituan monthly payment.

Meituan Monthly Payment is a credit payment service provided by the Meituan platform for individuals to "spend this month and repay next month", with the bill of the previous natural month issued on the 1st of each month and the repayment date on the 8th of each month.

3. Suning pays willfully.

Wayward Pay is a personal consumption installment brand under Suning Finance, and users can also experience "enjoy first and pay later"; Or you can choose to repay in installments up to 24 installments, which can be consumed and used in 3C, home improvement, home furnishing, department stores, FMCG, travel and other scenarios.

4. Zhaolian credit payment.

Credit Payment is an Internet consumer installment product of Zhaolian Financial, which allows users to enjoy up to 40 days of interest-free and up to 24 installment installment services, which can be used in Zhaolian Financial installment ** and consumption scenarios such as education, decoration, and medical beauty.

From "Xiaoqi Xincha", you can get the big data report of online loans, which includes information such as online loan history, overdue details of online loans, debts, information on untrustworthiness, and online loan blacklists.

Extended Information: Can I apply for a CPF loan after the interview?

As long as the provident fund loan has not been issued, it is best not to apply for other loans such as borrowing, because the provident fund center will still review the qualifications.

When applying for a housing loan, the provident fund center may require early repayment of other loans, or increase the requirements for income flow, if the income flow is not so sufficient, the provident fund center will also suspend the loan for the sake of risk control.

Of course, if the qualifications are good, you have enough repayment ability, and your income flow fully meets the requirements, you can still apply for a loan, but before that, it is best to communicate with the provident fund center first, see the attitude of the provident fund center, and try not to affect the approval of the mortgage because of other loans.