It may be that you have a bad credit record such as overdue repayment, or the merchant has not enabled Huabei payment collection and does not support Huabei payment.

The activation and use of Huabei is determined based on the user’s Zhima score, which belongs to third-party credit data. In other words, the user’s past behavioral data will directly affect the activation of Huabei. use. If you have been overdue when using Huabei before, or have had bad repayment behavior using other Zhimafen loan products, resulting in negative Zhima points, then the use of Huabei will have an indelible impact. Huabei is authorized for use based on the borrower's comprehensive credit. If there is a bad credit record such as overdue repayment or there is suspicion of non-genuine transactions, that is, suspicion of cashing out, even if there is a quota, it will be disabled. This is also one of the main reasons why there is a quota that cannot be used.

If the system shows that the customer cannot use Huabei for shopping when using Huabei, but there is still a credit limit, it is probably because the merchant does not support Huabei payment, so even if the Huabei credit limit is available, the payment cannot be made. It is also possible that the page shows that although there is a quota, the actual quota is frozen and the customer cannot use it temporarily. The reason why Huabei was frozen was probably that the previous repayment was overdue, which led to damage to personal credit; it may also be that the system suspected that the customer had cashed out, and the account risk was high. The system detected that there were risks in this transaction, such as suspicion of non-personal operation and suspicion of fraud, so the transaction was restricted.

What is Huabei

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".

Ant Huabei grants users consumption quotas ranging from 500 to 50,000 based on comprehensive considerations such as consumers' online shopping conditions, payment habits, and credit risks, through big data calculations, and combined with risk control models. Ant Huabei's quota is granted based on the user's accumulated consumption, repayment and other behaviors on the platform. Users' various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. When the user's behavior is good within a period , and in line with the quota increase policy, the corresponding quota may also be increased.