Huabei cannot be used, can I apply for a credit card?

Nowadays, many young people have the concept of spending in advance, and Huabei is a tool that many young people use to overdraw their consumption in advance. In order to meet their consumption needs, many friends have Huabei. I still want to apply for a credit card, but if Huabei cannot use it, will it be affected if I apply for a credit card again?

Huabei is a consumer credit loan product similar to a credit card. Users who open Huabei can directly choose to use the Huabei credit limit when making purchases, and can only repay on time within the specified time. You can enjoy the interest-free period, but some friends will encounter situations where their accounts are frozen and cannot be used when using Huabei. Usually the irregular use of Huabei is caused by the following reasons:

1. Huabei is overdue. Huabei is a personal credit loan product. Alipay attaches great importance to the user's personal credit status. If a user becomes overdue while using Huabei, the system may freeze their account based on the user's overdue behavior. Usually, if the overdue time is within 1 month, there is still a chance to resume use. However, if the overdue time exceeds 1 month, the system may directly close the user's Huabei.

2. Huabei’s cash out has been risk controlled. Huabei is a personal consumption credit loan product. Huabei can only be used for personal consumption and cannot be cashed out. However, there are still some friends who have cashed out when using Huabei. Once the system finds that the user is suspected of cashing out, it will Risk control measures will be taken on their accounts and the user's Huabei may be permanently closed.

3. The overall score is insufficient. Alipay will conduct a comprehensive evaluation of the user's account situation from time to time. When the evaluation result cannot meet the conditions for opening Huabei, the system is likely to close the user's Huabei account.

Although there is no direct relationship between Huabei and credit cards, if Huabei is closed due to overdue, it will still have a certain impact on applying for a credit card, because now Huabei has upgraded its services. Some users have been included in the central bank's credit reporting system. If your Huabei has been included in the central bank's credit reporting, once overdue behavior occurs, overdue bad records will be uploaded to the credit reporting system. If there are overdue bad personal credit reports, no matter what happens later, Whether applying for a loan or applying for a credit card will have a certain impact on the user. But this does not mean that Huabei cannot be used, and you must not apply for a credit card. Whether you can successfully apply for a credit card depends on the final approval result of the bank.

In general, whether you are using Huabei or a credit card, everyone must repay on time and maintain good personal credit to avoid adverse effects due to overdue payments.

What is Huabei co-branded credit card? How to apply for a Huabei co-branded credit card

Many friends often struggle with whether to use Huabei for consumption or apply for a credit card. The emergence of Huabei co-branded credit card can solve this problem very well, so that everyone no longer has to choose one or the other. . Many people will ask what is Huabei co-branded credit card? How to apply for Huabei co-branded credit card? Let’s briefly introduce it today.

What is Huabei co-branded credit card?

The Huabei co-branded credit card can be regarded as a combination of Huabei and a credit card. Of course, it is still a credit card in essence, but it can enjoy some Huabei benefits. The issuer of this credit card is Bank of Ningbo, but I haven’t seen any information about the Huabei co-branded credit card on its official website, so the specific rights and interests are not very clear.

I only know that the Huabei co-branded credit card limit is independent from Huabei. The credit card limit for swiping the card will be adjusted by the bank from time to time. In addition, unlike Huabei, Huabei co-branded credit card can provide a three-day grace period. If the payment is not successful on the repayment date, as long as the payment is made within the grace period, it will still be regarded as normal repayment.

How to apply for Huabei co-branded credit card?

There is no application entrance for Huabei co-branded credit card on the official website of Bank of Ningbo. After consulting Alipay’s online customer service, we learned from the automatic reply that “Huabei co-branded credit card can only be applied for on the Alipay APP girdle or Huabei page, etc. Check the activity application entrance." Because it is not open to all users, if you cannot find the entrance, it means you are not qualified to apply.

If there is an entrance, you can click and follow the prompts to fill in your personal information and submit it, waiting for bank review. Because you apply for the card online, if you have never applied for a Bank of Ningbo credit card before, you may have to go to a bank branch for an interview after the card is approved. The details will be subject to the SMS notification sent by the bank.

The above is the relevant introduction to "What is Huabei co-branded credit card", I hope it will be helpful to everyone.

How to activate credit card payment in Huabei?

1. First, open the "Alipay" client on your mobile phone.

2. After logging in, click "Merchant Services" in the main interface.

3. Then click "Collect Money with Huabei" under "My Services".

4. Then click "Enable Huabei to collect money" in the interface.

5. After clicking, a prompt will pop up saying "Huabei money collection has been enabled", just click to confirm.

6. Then pull the interface to the bottom, and there is an option to "charge money by credit card".

7. After clicking to open, click the sliding button behind the credit card to collect money to open it.

Can I still apply for a credit card (debit card) in Huabei?

Huabei has not been repaid. The user meets the application conditions for a credit card (debit card) and can apply for a credit card (debit card). When applying for a credit card (debit card), you need to check your personal credit report. Although Huabei has not paid off the loan, as long as there is no overdue record on the credit report, Huabei's borrowing record will not affect the credit card (debit card) approval result. In addition, during the credit card (debit card) approval period, please pay attention to returning Huabei on time.

If the bank requires users to repay Huabei in advance, then the user needs to repay according to the bank's requirements, otherwise the credit card (debit card) approval will not be passed.

Will Huabei affect my credit card application? Teach you step by step to apply for a credit card

Many friends still want to apply for a credit card after they have Huabei. After all, credit cards are bank products, and you can use the card to help yourself get rid of the white account application. However, some of them have outstanding debts from Huabei. Will this affect credit card approval? Let’s analyze it together.

Will Huabei affect my credit card application?

We know that Huabei is a product of Alipay and credit card is a product of banks. Many people think that the two are not related. Even if Huabei is not paid back, it will have no impact on applying for a credit card. But this is not the case.

You must know that credit card approval will check the credit record of the applicant to understand the applicant’s credit record and debt situation. Nowadays, many people’s Huabei has a credit report. It is said that those with installment plans can easily check the credit report. It was found on the Internet that if the unpaid Huabei debt is relatively large, it will increase the cardholder's debt and the repayment ability will be questioned by the bank. If Huabei is overdue, the impact will be even more serious.

For this reason, everyone should not think that Huabei and credit cards are incompatible.

If you want to get the card approved smoothly, it is best to do this:

1. If you have money, try to pay off the Huabei debt before applying for the card. If you have no money but can borrow it, For money, it is recommended to borrow money first and then repay it after applying for a credit card.

2. Choose a bank that has business dealings with you, such as a payroll card issuer, or apply for a savings card directly at the bank where you want to apply for a card, and then make a deposit, or buy financial products or funds. Wait and let the bank recognize your repayment ability.

Finally, I would like to remind you that the final approval of a credit card does not only depend on whether Huabei has repaid the loan, but mainly on the bank’s approval results. There are many other reference factors. In short, everyone’s The better the credit condition, the easier it is to get the card approved.

That’s it for the introduction of how to apply for a credit card in Huabei.