The reason why I didn’t apply was that my Sesame score was lower than 600 points.

Because applying for "Huabei" requires two conditions: you must have an Alipay account; you must have a Sesame score of 600 or above.

Huabei activation method:

1. On the homepage of Alipay’s official website, we enter the Alipay account number and password, and then click to log in.

2. After successfully logging in to Alipay, we can see the Huabei option on the homepage of the Alipay Personalization Center, and then click Activate under Huabei.

3. Click Huabei to activate and jump to the Huabei service activation page. Here you can see your information. After confirming that it is correct, enter the Alipay payment password and click OK.

4. After the Alipay Huabei activation is successful, the page jumps to the Huabei activation result page, where you can see the Alipay prompt information, and the Huabei contract is successful. At this time, you can click below to receive the novice gift package.

5. After activation, we return to the homepage of Alipay Personalization Center, where we can confirm the activation status of Alipay Huabei. At this time, you can see the check bill and repayment buttons below Huabei.