The following basic conditions need to be met to activate Huabei:

1. Mainland users must complete real-name authentication, be between 18 and 60 years old, and have a mobile phone number bound to their account

2. For all accounts under the same ID card or the same bound mobile phone, only one account can be opened for Huabei

The conditions for opening Ant Huabei:

1. Required Have your own Alipay account;

2. The Alipay account must be authenticated by real name and bound to a bank card;

3. The age of the ID card of the person authenticating the Alipay account must be between 18 and 60 years old

4. It is best to have funds stored in the Yu'E Bao account associated with Alipay;

5. Have a long-term record of on-time credit card repayment in Alipay;

6. Have frequent shopping records using Alipay on Taobao;

7. It is best to have Sesame Credit of 60 or ??above.

The "taboos" of using Qijue in Hua Qiao Sangzi Bei:

1. Repayment:

1. When using Hua Bei, it will usually be in the next month If you pay it off within a certain period of time, no interest will be required.

2. If you are crazy about shopping, you need to choose to repay in stages at this time, and additional interest will be incurred.

3. If the user reaches the repayment date and has not repaid, the Zhima credit score will decrease and Huabei will be closed.

4. If the user fails to repay the loan for a long time, Alipay will reduce the limit and take legal measures if necessary.

2. Cash out:

Use the merchant’s QR code to cash out. Alipay also strongly prohibits this behavior. If Alipay detects it, the user will want to use Huashan in the future. It will be very difficult to pay with Bei. In serious cases, the user's Huabei will be closed.