Huabei’s repayment date has always been fixed on the 10th of each month. It was suddenly announced that Ant Huabei can make an appointment to adjust the repayment date. The repayment date can be changed to the 15th or On the 20th, many Alipay users must have been very happy as soon as this news came out. Personally, I think there are three possible impacts:

First, for Huabei users whose salary payment date is after the 10th of each month, the problem of conflict between the salary payment date and the repayment date can be avoided. Most companies in our country have paydays on the 10th or 15th of each month, and a small number of companies have paydays after the 20th. Huabei sets the repayment date on the 10th, which means that many companies have paydays after the 20th. Employees have not received their salaries for this month, which means users are likely to be overdue. Now the repayment date of Huabei can be postponed, which can be said to solve this major problem, allowing users to use Huabei with peace of mind and eliminating overdue worries;

Secondly, Huabei has a large user group and enjoys it. There is a wide range of people, regardless of whether there are problems mentioned in the first point, but this can be regarded as a humanized setting, which facilitates users with different needs and allows users to set the repayment date by themselves.

Third, in the first month after the repayment date is adjusted, the repayment order invisibly extends the interest-free period by 10 days.

In fact, regardless of whether the repayment period of Huabei needs to be adjusted, we hope that Huabei users will consume rationally and repay on time to avoid overdue payments.

The adjustment of the Huabei repayment date is of course to alleviate the pressure of repayment on schedule (originally the 9th of each month) for some users. The repayment date will be postponed from 10 days to the 20th of each month, which will definitely Greatly affects some groups. Especially for some, their Huabei repayment dates are likely to overlap with the credit card repayment dates of major commercial banks. For example, they used to be on the 9th or 10th.

In fact, adjusting the Huabei repayment date is just a matter of postponing the repayment of the personal debt for a few days, but it will still need to be repaid in the end. If the overdraft was serious before, then you need to make an installment payment. Otherwise, you won’t be able to get so much money at once. Especially those that overlap with bank credit card repayment dates, it will make things even worse!

If the monthly salary payment date is after the 10th, then adjusting the repayment date to the 20th or 15th will definitely do more harm than good. But I still want to emphasize that if you have exceeded your ability to bear it, what is the point of adjusting the short-term repayment date? Even if some people adjust and postpone for more than a month, it will be very difficult for them to pay off the debt.

In short, whether it is Ant Huabei or the commercial bank credit cards that we have used extensively, they are all credit tools that can help everyone solve temporary difficulties in daily life expenses, but they cannot have unlimited "firepower" "Fully open" must be done within your ability. Remember, sweat your own sweat and eat your own food. Don’t spend money to feel happy for a while, but pay back the money in vain!

The adjustment of Huabei repayment date is mainly to meet the repayment needs of users.

The full name of Huabei is Ant Huabei. It is a credit product for consumer goods launched by Ant Financial, a subsidiary of Alipay. Huabei provides consumption limits ranging from 500 to 50,000 yuan based on the user's credit level. The use of Huabei is mainly to achieve a "spend first, pay later" shopping experience by using Ant Huabei's credit limit when users make purchases.

That is to say, when you shop on Tmall, Taobao and other Alipay merchants that have opened Huabei payment, you can get an interest-free period of up to 41 days. consumption behavior. Ant Huabei has been officially launched since April 2015. It is mainly used by consumers, especially those born in the 80s and 90s. 33% of them are born in the 1990s and 48.5% are born in the 80s. The number of users born in the 1970s is 14.3%.

When Ant Huabei was first launched, the Huabei repayment date was set on the 8th of the next month, and it could not be changed. Although this part meets consumer consumption needs, repayment problems have arisen for some consumers. This is mainly determined by the time when consumers’ wages are paid. Many consumers said that since the company pays wages on the 10th of every month, the 8th of the repayment date means that I have to repay one month in advance or save the money until the beginning of next month before repaying.

This cannot achieve an effective and sustainable cycle. The consumption I made with Huabei that month can just be repaid on the pay day, and I will continue to consume Huabei next month.

In order to adapt and meet the needs of most consumers and at the same time to increase the audience of Huabei, Alipay provides one repayment date adjustment opportunity for each Alipay account. When consumers meet certain credit requirements, they can adjust the repayment date based on their actual situation, but the adjusted repayment date will never have the opportunity to change.

So there are two issues to pay attention to at this time. The first is that if you have failed to repay the Huabei bill in the current period, a certain handling fee may be charged as the deferred repayment handling fee for the current month. , officially implemented from the second billing day.

The second is that after this change, it can no longer be adjusted according to the actual situation. That is to say, when you change jobs again and the salary day is adjusted, it cannot be adjusted according to the salary day. The repayment date of Ant Huabei has been adjusted again.

So overall, this opportunity is very necessary, but it also needs to be used with caution.

I am still using the original repayment date, with payment on the 1st and repayment on the 10th. After all, there are not many companies like mine that pay wages before the 5th of every month, and the wages are still paid for that month, so for me, the account is paid on the 1st and the repayment is paid on the 10th, it has no impact at all!

However, you will find that Huabei has adjusted the repayment date into two types, one is the payment will be made on the 5th, and the payment is made on the 15th; the other is the payment will be made on the 10th, and the payment will be made on the 20th. No. repayment. This is actually very beneficial to us, because it allows users to solve the problem of the balance between wages and Huabei if their wages are paid before the 15th or before the 20th.

Huabei has gradually replaced the use of most credit cards. In addition to using Huabei to buy things in Taobao stores, the probability of using Huabei offline has greatly increased.

As for me, my Huabei bills will always be there every month. Even if the bills are different, I buy a lot of things offline every month, and this kind of spending never stops.

Because Huabei’s role is getting bigger and bigger, consumers’ use of Huabei is also increasing. This is why my current Huabei quota is constantly increasing, and I am also constantly using Huabei. Let’s make the repayment!

Therefore, Huabei has adjusted the repayment date, which is a very effective adjustment for some users who often use Huabei, but whose salary is different from the previous Huabei repayment date. This is indeed Something worthy of recognition.

As long as it is not overdue, there will be no impact.

It’s just a matter of when the bill comes out. Some people want to pay it back in advance, and some people want to pay it back at the end of the month. It depends on your personal choice.

Currently, Alipay is open for reservation function. In Huabei, find mine and you can set the repayment date. After setting, it will take effect from October.

There will be no impact if Huabei changes the repayment date.

Nowadays, everyone must have the Alipay app on their mobile phone. Because the functions in this app are very powerful, all aspects of food, clothing, housing and transportation are very convenient. And the Huabei function inside is a place that many people like. Because it will give you a quota in advance for your consumption, the application is simple, and it will arrive in real time. It will give you a certain quota based on your credit and the completeness of your information.

Depending on how much of this quota you have used, you can reuse it on a recurring basis if you pay it off on the set date next month. This repayment date can be modified in the settings according to your own needs. This modification will not affect anything. As long as it is not overdue, it will not have any impact.

It should be noted that it can only be changed once a year, so you should set this repayment date according to your actual situation.

However, the modification will not affect your credit, so you can rest assured!

This really has no impact.

We generally say that the impact this kind of consumer financial services can have on us mainly refers to personal credit. Here, it is usually because you fail to repay the loan as scheduled that it will have a bad impact on personal credit.

And your adjustment to the Huabei repayment date is just a business adjustment, not a non-repayment.

So, there is no impact.

Will adjusting the Huabei repayment date have any impact on individuals? Since Alipay provides that the Huabei repayment date can be adjusted, it has no impact on the individual. As long as the repayment is based on the date you adjusted, it only affects your own allocation of funds. Of course, if you can't pay it back according to your adjusted date, there will be overdue fees. In Alipay's explanation of the problem, it was specifically noted that it is recommended to repay the loan on time to avoid bad records that will affect your credit.

On July 30, Alipay announced that it officially opened the adjustment reservation for Huabei’s billing date and corresponding repayment date, that is, you can choose to adjust the billing date and repayment date. There are the following types: ① The account is debited on the 1st of each month, corresponding to repayment before the 10th; ② The account is debited on the 5th of each month, and the repayment is on the 15th; ③ The account is debited on the 10th of each month, and the repayment is on the 20th. These methods of payment and repayment can cover the monthly payment dates and repayment dates of most Huabei users. For example, most companies may pay wages around the end of the month, the 10th, 20th, etc. During this period, it is more appropriate to repay the loan before it is all used up.

Of course, there are those who cannot repay the loan, and you can also turn to installment payment to reduce some of the burden. Generally speaking, there are no special circumstances. If you don’t want to pay it back once, the more you use the money, the less it will be and the more you don’t want to pay it back in installments. However, overdue fees will be incurred if the payment is overdue, which is the overdue principal * 0.05% * number of overdue days. It also reminds you to try to repay your loan on time to avoid bad records that will affect your credit. Although the type or scope of this credit is not specified, even if it is affected within Alipay, it will not be deducted.

Adjusting the repayment date is relatively simple. Select Mine on the Alipay homepage, then enter Huabei. There is an option to set the repayment date.

Alipay has many functions. Use Alipay honestly and rationally, and it is a very good tool for many individuals and families. Whether it is financial management, travel or consumption, or even borrowing to solve short-term difficulties, it is very helpful.

For more sharing, please pay attention to Dongfang Gaoyang.

Does the adjustment of Alipay’s Huabei repayment date have any substantial impact on users? In fact, Alipay’s repayment date is still very important to users. After all, every 9 The repayment on the 20th of each month and the repayment on the 20th of each month are two completely different situations, so let’s talk about it with everyone.

For Alipay, it is actually not just a software in the payment field, but also has financial service functions for users, such as Alipay, Ant Huabei and Ant Borrowing. Practicality and other functions.

Under normal circumstances, most Alipay Huabei repayment dates are before the 9th of each month. If this time is exceeded, a certain amount of interest will accrue, which is actually unnecessary expenditure for users, so it is best for everyone to repay on the repayment date specified by Alipay.

If the repayment is made on the 20th of each month, the user may have more sufficient repayment time. Generally, corporate wages are paid around the 15th. , so if you still use Huabei on the 20th, it may be more convenient for users.

Let’s talk about the immediate impact on the users themselves, that is, if the repayment is postponed, the user’s credit score may decrease. For example, the decrease in Zhima credit score is also more practical for users. Influence.

Moreover, the Huabei repayment date of Alipay can also be set by oneself. For example, users can set it by themselves and choose the 9th or 20th of each month for repayment, which is also more convenient. matter.

Finally, in the process of using Alipay Huabei, one issue that everyone needs to pay more attention to is to repay the loan as soon as possible and not to default. So what are your different opinions? , you can leave a message below and let’s discuss it together!

Huabei adjusts the repayment date, which will be implemented from October 1, 2019. You need to adjust it according to your actual situation. It is divided into three types. First: the bill is issued on the 1st and paid on the 9th. Second: The bill is due on the 5th and is due on the 10th. Third: The bill is due on the 10th and is due on the 20th.

Adjusting the repayment date can reduce repayment pressure.