It’s not just some people, but many people who simply couldn’t withstand the temptation of Alipay and used Huabei, including me.

First of all, there is nothing wrong with Alipay Huabei, and I think it is a good thing.

Huabei is just a financial tool. It is the same as our usual use of credit cards. You can consume first and pay later.

The longest interest-free period for Huabei is 40 days, which means that within 40 days, as long as you repay normally, you don’t have to pay any interest. During the interest-free period, the handling fee will be It is the responsibility of the merchants, not the consumers.

Why not use such a good thing? Even if I have money to pay for the order, I still have to use Huabei instead of my own money. For example, if I buy an order worth 10,000 yuan and there is a 40-day interest-free period, I can use my own money to invest.

Even if you put 10,000 yuan on Yu'e Bao for 40 days, you can get a profit of about 28 yuan. If you buy other financial products with a relatively short period, the profit will be calculated based on 4.5 yuan, 40 days 1 You can get about 50 yuan in profit for 10,000 yuan.

So make full use of Huabei shopping, free up your own money, and make your money generate more income. I think most people are happy with this kind of thing.

The reason why many people are saddled with huge Huabei debts is not because Huabei is at fault, but because they cannot control themselves.

Huabei is just a financial tool. It will not force you to go shopping. It just provides a convenience for everyone to shop. Although to a certain extent it will stimulate everyone's desire to shop and make everyone less willing to go shopping. Money can also be used for consumption, but after actual shopping, the key to not being able to pay off the bills lies in people.

If a person cannot control himself and always wants to buy things, even if he does not have Huabei, there are other things that can be used instead, such as credit cards, online loans, or even borrowing from friends.

Therefore, it is unfair to attribute the Huabei bill repayment not to Alipay. This kind of thinking is obviously an inversion of internal and external factors.

The nature of Huabei is the same as that of a credit card. It has a certain number of days of interest-free period. A few years ago, it was not easy or impossible for most people to apply for credit cards from the four major banks. Has Huabei solved this problem for everyone? Nowadays, those who have credit cards basically don’t use them. It’s all spent. Online shopping accounts for too much. What’s more, now you can also use Huabei in physical stores.

Huabei has brought so much convenience to our lives. Some people squander this convenience. As a result, I ended up with Huabei debt. Why is this? I summarize the following points.

First, I have poor self-control. For example, I originally just wanted to buy a cotton coat today, but I saw that the down jacket was good and the price was higher. I was optimistic about it and started buying it directly. There are flowers! Look at these pants again. They are fashionable and beautiful. Buy them! ! ! There are flowers! Originally I only wanted to buy one cotton coat, but in the end I ended up with so many unnecessary but desirable items of clothing. This is poor self-control.

Second, there is insufficient understanding of Huabei. Huabei is the same as a credit card. I can give you an overdraft, but you have to pay it back. It's like borrowing money from a friend and you have to pay it back. The money you use Huabei is not your own money.

Third, lack of control over one’s own finances. We must have a plan every month. How much money I earn must be used, and the proportion must be divided. So as not to pay off the debt. Talent is a rational expenditure.

Finally, I would like to warn some people that they are very generous when using Huabei. Don’t forget that they have to pay it back. It’s important to consume well and maintain good credit! ! !

Can’t you use the red envelope from Huabei? I used it twice tonight and the red envelopes were not used up. I just decided to stop using Huabei!

Huabei, a subsidiary of Alipay, is known as an online credit card. Friends who have activated this feature can use it first and then repay. Since everyone's Zhima Credit score is different, the Huabei credit limit is also different, but all Huabei bills are issued on the 1st of each month, and repayments are made uniformly on the 9th of each month.

Judging from Huabei’s billing period, the longest interest-free period can be 40 days. Like bank credit cards, Huabei supports minimum repayments and installment payment methods. For example, if your bill this month is 1,000 yuan, the minimum repayment amount is only 10 yuan, which is 100 yuan.

Compared with bank credit cards, Huabei mainly supports online payment scenarios. There are not many offline scenarios, so it cannot be compared with bank credit cards. However, since we are in the era of mobile payment, many young people complete most of their consumer payments through the Internet, so the value and significance of Huabei is still great.

For many young users, they like to buy and buy on weekdays, especially during holidays or special days such as 618 and Singles’ Day. That is really crazy, and Alipay also We will even give everyone a Huabei quota increase (temporary quota) in advance to stimulate consumption. If you don’t have strong self-control, you may be unable to make ends meet and find yourself unable to pay back the loan at the end of the month.

In fact, this is the same as using a credit card. It is fun to spend money, but it is difficult to pay back. You cannot be tempted by banks or Alipay. In the final analysis, Huabei under Alipay and bank credit cards are just payment tools. Tools serve people. As for how to use the tools rationally, it depends on your own attitude.

In short, I think it’s hard to say who seduced whom. Because of credit cards and Huabei, many people have the opportunity to enjoy their living expenses in advance, but some people are burdened with a lot of debt. But as a tool, there are always two sides, pros and cons. We cannot deny the function of cutting vegetables just because the kitchen knife is used to "kill people." In a word, please remember that only "shedding your own sweat and eating your own food" is the happiest thing.

Compared with many lending platforms, Huabei is very conscientious.

First, interest-free for up to 41 days; Second, there are activities launched from time to time; Third, there are no additional expenses; Fourth, the limit is set according to personal spending power and repayment credit. And the amount is not large.

Whether it is from the perspective of user experience or risk control, Huabei is generally good.

As for changes in consumption habits and payment methods, if you really don’t want to change, you can stop using it or even uninstall it, and it will not affect your survival at all.

And those who are willing to try to change have another payment path, why not?

You can think of Huabei as an electronic credit card. People who have credit card spending habits will certainly not find it troublesome. It is even more convenient than using a credit card. Moreover, credit cards do not have so many red envelopes for you to receive. . I don’t have the habit of using credit cards, and I don’t have a credit card in my name, but I am very comfortable using Huabei. I always buy things on Taobao every month, and I also use Alipay in physical stores. Usually when I pay at the end of the month, I will He returned the Huabei smoothly.

It’s more of an overdraft than a debt. Since the amount is small and there is a certain monthly limit, I believe it is not a burden for most people. Compared with routine loans and campus loans, Huabei is a breath of fresh air. Society should encourage this kind of innovation and promote the further improvement and development of consumer credit platforms. It is understandable that some people cannot accept it, but it should not exclude others from using it.

(Family wealth password: golden sickle)

I turned Huabei on and off, off and on again, its magic is my desire

01 Open Huabei

When I was still in college, I would always find that I didn’t have enough living expenses. Sometimes I would do part-time jobs or ask someone to borrow money to make ends meet first.

I was still in school at that time and had never had any contact with credit cards. However, I got to know Huabei when I first came into contact with Alipay. I thought Huabei was still a good thing, after all, it could offer up to 30 days of interest-free payment.

It is not appropriate to always borrow money from classmates, so every time I don’t have enough money to spend, I will use Huabei to cushion it first, and then pay it back.

02 Close Huabei

Although Huabei is good, people’s desires are endless.

After using Huabei for a period of time, I found that my debt was getting higher and higher, and I started using Huabei earlier and earlier every month. After thinking about the reason carefully, I found that after using Huabei, I became less and less careful about spending my money. I bought all the things I should buy and things I shouldn’t buy together, which was a waste of money.

After thinking about this, after paying back the Huabei once, you will never need Huabei again. After all, things are good, but when you can't control your desires, good things can turn into bad things.

03 Being tempted to use Huabei again

How to say it? It’s people who designed Huabei, and it’s also people who designed Huabei’s preferential mechanism. People know themselves best, and things designed by nature are the ones they can’t refuse the most.

To start using Huabei again, you need to scan the QR code to receive a red envelope, and this red envelope can only be consumed through Huabei payment.

When this activity was first launched, a lot of people used their wisdom to make a lot of money, and the most famous one was the cabbage seller. At that time, the red envelopes scanned out were only a few yuan or a dozen, although it was not much, but it was not a problem to make breakfast. Naturally, I started using Huabei again, but I was more restrained and returned it immediately after using it.

Now that it is 0.02 yuan each time, I have long given up on this idea, so I naturally closed Huabei again.

Opinions on taking on debt if you want discounts:

There is no free lunch in the world. You take a fancy to other people's discounts, and others take a fancy to your desires.

If you use this kind of discount to amplify your desires, you will use it more frequently and increase the number of users for Alipay. The biggest benefit brought by the increase in the number of users is definitely more profits.

In short, control your desires. You can have discounts and debts, but you have to think clearly about whether your debts are worth it.

Whenever the repayment date comes, Alipay will warmly remind you that it is time for you to repay. For example, you may receive the following text message: Huabei will automatically repay 13,541.09 yuan on July 10. I feel anxious about July 10th, having to pay back the money again! This sentence seems familiar. I used to have to pay off my credit card again.

Huabei, this kind of lending business is similar to a credit card, but it has similarities and differences with credit cards. These similarities and differences make Huabei more popular among users:

Of course, there are also advantages to having credit. , for example, the credit limit is relatively high, there are some discounts, and there are points that can be redeemed for things, and credit citations will be filed for overdue credit cards. In contrast, Huabei does not have credit citations for the time being.

The threshold is low and there is no impact on credit reporting, which will lead to more Huabei users. Moreover, Alipay also actively encourages users to use Huabei. For example, it has previously launched the use of Huabei to pay and send red envelopes. Such promotions have caused some users to use Huabei unconsciously.

It can be said that you use Huabei more or less every month, unless you close Huabei. Here is how to close Huabei: Alipay APP-My-Huabei-My-Others- Close Huabei.

I don’t think it’s because of Huabei’s red envelopes that I am in debt to Huabei. Huabei red envelopes can only be regarded as an additional benefit in addition to debt.

Speaking of Alipay’s Huabei, its functions are the same as those of a credit card. However, Huabei’s interest-free period is a bit short, not as good as the longest 56 days for credit cards. Despite this, Huabei is still very popular. Because its customer group is not the same as the main body of the credit card.

Anyone who has Huabei debts is just spending money online, buying this and that. Some people, regardless of whether they have money or not, are unwilling to take money out of their pockets and are willing to pay with Huabei or credit cards. Pay it back when the bill comes out. For people who don’t have money, this is easy to explain, because they want to consume in advance; but for people who have money and don’t pay, this is just a habit, used to using other people’s money first and then repaying the debt when it is due.

Whether paying with Huabei is a good thing or a bad thing depends on the degree of use of Huabei. Too much is not enough.

If you use Huabei to overdraft beyond your ability to repay, you will be saddled with not only financial debt, but also spiritual debt. Not everyone can bear the feeling of being in debt. It is so inappropriate to take pleasure in consumption and then put great pressure on yourself afterwards.

If you consume within your own ability, using Huabei can save your own money and use it to do other things, or do nothing, just put it in your bank account, and spend it every day Interesting, right? When using Huabei, you should treat it like using cash and tailor it to your needs to maximize benefits and minimize stress.

Because he gave you a quota. He will give you 50 at the beginning. After you use it and repay it, he will immediately increase the quota. Who doesn’t use it? Everyone wants to have savings. Instead of using their own money, use other people’s money. Oops. , as soon as the salary was finally paid, oh, what an endless cycle, oh my god. There are also people who buy if they don’t have money and then pay the minimum amount. Colleagues around me can’t help but buy a lipstick bag or something like that. People are like this nowadays. Otherwise it’s not normal. But I still like abnormal days. It’s so comfortable.

It seems that the subject’s thinking is outdated and cannot keep up with the times. Modern society cannot look at this debt problem so simply. It is very necessary to use future money rationally, just like buying a house with a loan. If you don’t borrow future money, I think most people will not be able to buy a house. After all, you can get it all at once. Not many people have paid millions in cash.

The same goes back to Alipay. Using Huabei is not a sinful thing, nor is it a serious debt problem. It is just a reasonable use of future money for current consumption. Moreover, in today's society, there are not only Huabei, but also annual bank credit cards. These are all about spending future money and carrying debts.

Let me tell you why I use Huabei and credit cards, and why I am willing to go into debt! Personally, I don’t actually use Huabei much, and I have even closed Huabei. Usually I use Huabei offline because of the Huabei red envelopes given by Alipay. I use Huabei online mainly for items with a large amount of money. At the same time, the seller does not support credit card payment. In these two cases, I will use Huabei. That's right.

I basically use credit cards to pay for the rest, so why should I use a credit card? The reason is very simple, that is, using your credit card rationally can give you an extra amount of interest-free money to use, and you can use this money to make money.

1. Interest rate spread: Since credit cards have about 50 days of interest-free period every month, and my current monthly necessary expenses are basically around 1W, there is no way, the cost of living in Shanghai is too high . Using a credit card to pay allows me to take advantage of the interest-free period and let my money continue to earn interest in banks or financial management platforms. Even if you earn 1 yuan a day, you can still have 30 yuan a month, which is 360 yuan a year.

2. Rights: The rights and interests of credit cards are actually quite good. Choosing a suitable card based on your actual needs can allow you to get some good discounts, such as 10% off on top-up phone bills, 15% off on gas, supermarkets There are certain discounts for shopping and so on. These actually reduce your actual expenditure benefits. Even though the reduction is not much each time, it adds up to a lot of money over the course of a year.

Combining the above two items, one in and one out, it is no problem to save you thousands of dollars a year!

So, the questioner, do you think this kind of debt is good? Debt that can help you save money! You can also save money by using Huabei rationally. Of course, the effect is not as good as that of a credit card. After all, Huabei’s rights are very useless.

Of course, all of the above are based on reasonable consumption. Advanced consumption that exceeds one’s income capacity is not advisable. In addition, using the interest-free period to earn interest differentials is also done within one’s ability. If you don't actually spend much money per month, the interest you can earn is actually not much, so don't force it.

In a word, loading yourself with debt reasonably can make your funds more fully utilized! In addition, you can use credit cards as much as possible. Huabei is generally useless and should only be used when there is really no other way.

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