Method 1: First increase the Huabei limit as much as possible
1. Complete personal information and fill in complete personal information in Alipay as required.
2. Frequently use Huabei for consumption, often shop on Taobao every month, and spend on living expenses can significantly increase the amount of Huabei.
3. Improve Zhima Credit Score. Huabei’s credit limit is largely related to Zhima Credit Score. The higher the credit score, the higher the credit in the Alipay system, and the limit will also increase accordingly. Improving more information in Zhima Credit, such as real estate information, vehicle information, provident fund information, etc. can increase your Zhima Credit score and increase your Huabei limit.
4. Pay off your loan in advance and maintain a good credit record, and the system will increase your credit limit to a certain extent.
5. Increase the total assets of Alipay. The more total assets in Alipay, the system will think you are rich, so it will also increase your limit.
Method 2: Communicate with the merchant and explain the situation. Some merchants will provide installment orders based on your Huabei quota. After making up the difference, you can pay the remaining amount with Huabei.
It is recommended to use method 1 and method 2 together to increase the amount as much as possible and pay less for the difference.
Ant Huabei is a consumer credit product launched by Ant Financial. After applying for activation, you will receive a consumption limit 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".
On August 4, 2016, Ant Huabei’s consumer credit asset-backed securities project was listed on the Shanghai Stock Exchange. This was also the first Internet consumer finance ABS on the Shanghai Stock Exchange.
As of January 2018, Ant Financial has taken the initiative to invest 8.2 billion yuan in two small loan companies, raising the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would open to banks and other financial institutions.
Reference: Huabei_Baidu Encyclopedia