Can I use Alipay Huabei to repay credit cards?

No

Currently Alipay Huabei does not support credit card repayments. You can use your debit card or Alipay balance to repay credit cards. Repayment.

Huabei is an online shopping service provided by Ant Microcredit to consumers to "buy this month and pay back next month" (repay next month after confirmation of receipt). Currently, most merchants or products on Tmall and Taobao support Huabei services.

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 If the user behaves well within a period and complies with the quota increase policy, the corresponding quota may be increased. Ant Huabei cannot be opened or raised through others. Please do not trust others and leak personal information.

The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):

1. In-bank repayment

This repayment method mainly includes : Card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system. It can be used to repay money directly by swiping the card, and can also perform transfers and other services. Instant payment!

3. Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

4. Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

6. Counter pass

Counter pass refers to the bank cards issued by various networked financial institutions, which can be used to make RMB transactions through the counters of other bank branches registered in the UnionPay exchange center host system. Current deposit and withdrawal transactions.

7. Lakala

Card holders can complete credit card repayments, mobile phone recharges, online bill payments, etc. through convenience stores, bank outlets or purchase "Lakala" device terminals business.

8. Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided by China UnionPay's inter-bank information exchange network. Innovative electronic products backed by service.

9. Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

10. Other methods

In addition to these repayment methods, card issuers have also opened their own unique repayment methods to facilitate cardholders' repayment.

Can Huabei repay a credit card?

1. Credit cards cannot be repaid with Huabei. Because the Huabei quota can only be used for consumption, it cannot be withdrawn or transferred.

2. Users in need can also consider borrowing from some reliable online loan platforms. BAT's three major credit products all have a strong backend and are relatively reliable. Jiebei is a credit product of Alibaba Ant Financial, Weilidai is a credit product of Tencent WeBank, and Youqianhua is a credit product of the former Baidu Finance Its credit services brand.

3. In addition, different repayment methods will cause loan interest rates to vary widely.

How can I know whether the cost of my loan is high? The price comparison tool of Youqianhua can help you. Before borrowing, use the price comparison tool to compare and let you know which loan product saves you more money!

For more information about whether Huabei can pay back credit cards, go to: View more content

Can Huabei pay back credit cards

1. Huabei cannot pay directly Credit card repayments. Ant Huabei also does not support the use of credit cards for repayment. It supports repayment channels: balance, Yu'ebao, savings card express, and savings card online banking. When consuming, users can advance Ant Huabei's credit and repay on the 9th of the next month after receipt of the goods is confirmed. The interest-free period can be up to 41 days.

2. According to Ant Huabei’s service rules, Ant Huabei’s repayment is limited to non-credit funds such as Alipay account balance, debit card account balance, Yu’ebao financial product shares and other non-credit funds as the source of repayment funds. ; The lender has the right to monitor and manage the sources of repayment funds, and has the right to adjust the rules for the sources of repayment funds from time to time in accordance with laws, regulations, regulatory policies and other relevant provisions. Ant Huabei has been officially launched since April 2015. It is mainly used for shopping on Tmall and Taobao. It has been loved by consumers, especially those born in the 80s and 90s. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms.

For more information on whether Huabei can pay off credit cards, go to: View more content

Can Huabei on Alipay pay off credit cards?

On Alipay Credit cards cannot be returned on Ant Huabei, they can only be used for shopping.

Ant Huabei supports shopping in multiple scenarios. The main application scenarios are: most e-commerce shopping platforms, such as Taobao, Tmall, Amazon, Suning, etc.; local life service websites, such as Koubei, Meituan, Dianping, etc.; mainstream 3C official malls, such as LeTV, Haier, Xiaomi, OPPO and other official malls; as well as some overseas shopping websites.

Extended information:

1. Features of Huabei products:

1. Buy it this month and repay it next month (except for some Taobao products when trading on Taobao and Tmall) Except for certain categories such as travel, recharge, and movie tickets, repayment will be made in the next month after confirmation of receipt, and repayment will be made in the next month after placing an order and paying for transactions on other platforms).

2. Shopping with consumption limit (if you use Huabei installment purchase, the buyer must bear the specified fee according to the rate set by the merchant).

3. Repayment is convenient and supports automatic repayment through Alipay.

2. Repayment related:

1. Billing date: This date is the date when Huabei bills are issued. The bill for the current month is issued on the 1st of each month (summarizing consumption details and expense details) ) The billing date is fixed and cannot be modified for the time being.

2. Repayment date: This date is the final repayment time agreed upon by Huabei in the agreement. If the payment is made beyond this date, a certain overdue fee will be charged and a negative overdue record will be generated.

3. The Huabei bill date is the 1st of every month, and the repayment date is the 8th, 9th or 10th of every month. Please refer to the page prompts.

Baidu Encyclopedia-Huabei

Alipay-What is Huabei

This is the introduction of whether Ant Huabei can pay back credit cards.