Will frequent use of Huabei affect future bank loans?

Frequent use of Huabei will not affect bank loans.

Although the services provided by Huabei are very similar to credit cards, they are not credit cards in essence. Alipay related people have previously stated that Huabei is not a virtual credit card, but a consumer credit (product). After applying for activation of Ant Huabei, you will receive a consumption quota ranging from 500 to 50,000 yuan. When users are consuming, they can prepay Ant Huabei's credit and enjoy the shopping experience of "spend first, pay later".

As long as there is no malicious overdue payment, the credit score of Ant, the credit institution to which Alipay Huabei belongs, will not be affected, let alone bank loans. Huabei has consumption scenarios and risk control data. Both parties have their own strengths and complement each other. Therefore, cooperation can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, and benefit the development of the industry.

Extended information

Alipay customer service stated that if you have never overdue when using Huabei, it will not have an impact on your credit report. This is currently reflected in the credit report. It's not clear yet. "The minimum monthly repayment amount is a normal repayment method and will not affect consumers' economic activities.

Personal credit mainly depends on the overdue record, including overdue frequency, term, etc." Huabei Both credit cards and credit cards are credit loans, and Huabei is a small-amount loan. However, no matter whether it is a small amount or a large amount, it will be recorded as long as it is overdue in the central bank's credit report. Generally, loans only require proof of repayment.

China.com-Huabei is connected to the central bank's credit overdraft "buy, buy, buy", will it affect the loan to buy a house? Does Huabei count as a loan?

Huabei counts as a loan.

1. First of all, Ant Huabei is a small consumer loan. It is applied for and issued in the form of an online platform! Mainly used for personal online shopping, consumption, installment, etc.! It is a formal, approved online loan.

2. Secondly, Ant Huabei will file a credit report once it is overdue! Credit bureaus are managed by the central bank, and in the past there was only one credit bureau. Once Huabei is overdue, it is of a serious nature. Not only will it be subject to credit reporting, personal housing loans and other social and economic activities will be subject to strict restrictions and supervision, but also due to its particularity.

In the future, online shopping loans, daily consumption, online payments, even renting cars and houses, and part-time food delivery may be rejected and affected. Is Huabei a small credit card loan?

No, Huabei is neither a credit card owned by a bank nor a small loan. However, everyone needs to pay attention to:

1. From the perspective of the function of Huabei, it is more similar to a credit card, because Huabei cannot borrow money. Its credit limit can only be used for consumption, which allows users to enjoy a "spend first, pay later" shopping experience. Transfers and cash withdrawals are not possible (cash withdrawals can be made when the credit card limit is reached. This is the difference between Huabei and credit cards). If the user insists on withdrawing the Huabei quota for use, it may be suspected of tx

and may easily lead to system risk control.

2. Alipay provides small loans, that is, reserve funds. It is a short-term small emergency loan product with only three levels of one hundred, two hundred, and five hundred. It will be returned automatically after seven days. In addition, there is Jiebei, which is a consumer credit loan provided to ordinary consumers. If you have borrowing needs, it is better to apply for these two types of loan products than to use the Huabei quota. Regardless of whether it is Huabei, a credit card, or other small loans, you must remember to repay on time after borrowing and spending, and be careful to avoid overdue payments.