Taobao Ant Huabei must be opened with a credit card. Ant Huabei introduction:

1. The Bai account is a function of Alipay that allows you to shop first and then repay.

2. You can use Huabei to pay in installments when shopping.

3. The repayment date is before the 10th of the month following when Huabei users confirm receipt of the goods to repay the money spent in the previous month.

Handling for overdue Ant Huabei:

1. Interest will accrue after overdue payment. If you want to resume overdue payment, you need to pay the principal and handling fee together before it can be restored. .

2. Long-term non-payment will also affect your personal credit and cause a bad credit record.

Alipay activation conditions:

1. Personal ID card and credit card.

2. Mobile phone number and email account.