How to activate Alipay Borrowing?

To activate Alipay Jiebei, you can log in to Alipay on your mobile phone and click My - Jiebei in the lower right corner. The specific steps are as follows:

1. Open Alipay and click "My".

2. In the My interface, click "Borrow".

3. In the borrowing interface, you can check the Huabei activation status.

Extended information:

1. The following conditions need to be met to activate Jiebei:

1. The Alipay account must complete real-name authentication;

2. The account status is normal and has not been appealed;

3. The account is bound to a mobile phone.

For accounts that meet the above conditions, the system will conduct a comprehensive evaluation based on the account usage. The final usability is subject to the system evaluation and manual intervention is not possible. What conditions are required to successfully activate Alipay Borrowing

Applying for Borrowing meets four conditions:

1 There is no abnormality in the Alipay account and real-name authentication has been completed

2 If you have not opened a Taobao loan

3. Bind the phone number for personal real-name authentication

4. If the same identity information is met, it can only be used for borrowing from one account.

Users who meet these four conditions will be comprehensively evaluated by the system, but one thing to note is that when applying for Ant Borrowing, there are no special requirements for Zhima Credit. In other words, the level of Zhima Credit Score is important. The activation of Jiebei will not have much impact.

In general, the activation of Ant Borrowing depends on personal consumption, transfers and Alipay usage activity. It is precisely because of the influence of these factors that some people can open the loan with only 600 credit points, but cannot open it with as much as 750 credit points. However, it cannot be said that Zhima Credit Score is completely useless. It objectively displays your personal credit and also affects the amount you can borrow from AntBei.

If you have not successfully applied for a loan, you must maintain good credit habits and use Alipay to pay various fees as much as possible to increase its activity. Ant Jiebei has the advantages of timely payment after borrowing, and no handling fee for repayment within the specified time. It is widely loved by everyone and is a capital turnover tool worth having.

Extended information

The difference between Huabei and Jiebei:

1. Product nature

Alipay Huabei is a consumer loan product. Currently, it can only be used for payment when shopping on Tmall and Taobao. It is aimed at online shopping. Huabei is actually an online credit card function of Alipay.

Alipay’s “Jiebei” is a consumer credit product under Ant Micro-Loan, which does not require a mortgage guarantee, just like unsecured loans from banks. The application channels of "Jiebei" have been expanded to offline. "Jiebei" may be mainly used for transactions between external customers, mainly to open up the offline market, such as for those users who have offline consumption such as decoration and car purchases, and it will have a certain cash withdrawal function.

2. Loan limit

The Alipay Huabei limit is 1,000-30,000 yuan. The amount is also small, which is obviously difficult to satisfy for users with large consumer spending needs. Alipay's loan limit is 1,000-50,000 yuan.

3. Cash withdrawal

Alipay Huabei is a consumer loan product that cannot be withdrawn, while Jiebei is a consumer credit product that can be withdrawn and loaned.

Reference materials

Jiebei_Baidu Encyclopedia How to activate Alipay Jiebei

First upgrade your Alipay wallet to the latest version, and then log in with your account to Alipay wallet.

After logging in to Alipay, click "My" in the lower right corner.

Click to enter "Sesame Credit".

If the score reaches 600 click on Credit Life below.

Then click "Ant Borrowing" and select "I want a loan".

The Zhima credit score must be no less than 600, so you can use the loan!

"Jiebei" is a consumer credit product under Ant Micro-Loan. Users with a Sesame score of no less than 600 will have the opportunity to use personal consumption loans. Depending on the score, users can apply for a loan of up to 50,000 yuan. , the applied amount can be transferred to Alipay balance. The maximum repayment period of "Jiebei" is 12 months, and the daily interest rate of the loan is 0.045. How to open Jiebei and how to quickly increase the limit

There are many functions in Alipay, and Ant Jiebei is one of them. one. Its interest rate is acceptable to the general public, so how to open a loan and increase the loan limit? In fact, the method is very simple.

How to activate borrowing?

1. First, we need to download the Online Banking APP on our mobile phone (available on the Alipay interface). Find Online Merchant Bank on the "Alipay - My" page in the Alipay APP, click on it to download an online merchant bank, and then register or log in with an Alipay account. 2. Then we enter the homepage of the MYbank APP. You can see a "Loan" in the middle of the top of the page. Click to enter. 3. After clicking "Loan" to enter, you will automatically jump to the Ant Borrowing page, which will display your personal credit limit. In this way, we can open the loan.

After opening Borrowing, it is very beneficial for us to increase the amount of Borrowing. The method is also very simple, mainly including the following points:

1. Maintain a good credit report.

2. Frequently use Alipay to transfer, collect, and spend money. 3. Don’t overdue your Huabei or Borrowed money.

4. Frequently visit Ant Forest. 5. Try to use more functions of Alipay.

The specific steps are: first register and apply for an Alipay account, buy things on Taobao as much as possible, and pay with Alipay.

When paying with Alipay, try to use Huabei to pay if you can. After payment, you must pay back in time on the specified date. Over time, your Zhima Credit Score will increase. Generally, if you reach a score of 600 or above, you will be eligible for borrowing. The higher your score, the higher your loan limit.

In addition, if your Alipay is bound to your bank card and you transfer as much of your monthly income to Yu'e Bao as possible, it will not only help you increase your income, but also facilitate the evaluation of the Alipay system Your repayment ability. The more you deposit, the stronger your repayment ability will be, and it will also help you increase your borrowing limit!

At the same time, when you shop in supermarkets or eat out, you should also use Alipay to pay as much as possible. You can also use your points to redeem movie tickets, vouchers and other gifts. If you stick to it, you can save a lot. Where's the money! If you are a financial expert, you can also purchase Alipay financial products. Basically, you can use your credit score to get a loan after one year. With excellent credit, you can borrow about 50,000. If you continue to use it like this, you can enjoy loans with lower interest rates than ordinary members.

It is worth noting that Jiebei attaches great importance to customers’ personal credit issues. Now is the era of big data network. Your bad credit report on other platforms will also affect your loan activation, so friends, please remember to keep good records.