Cancellation is not supported and can only be closed.

But there is a prerequisite, that is, the Huabei bill before the upgrade must be settled in one go. If Huabei has been used after upgrading to credit purchase, all the used credit purchase balances must be paid off before closing. Users can choose to turn off both Huabei and credit purchases, or turn off credit purchases separately.

Close method: Alipay APP-Huabei-the small gear in the upper right corner-Close Huabei|Credit Purchase. After turning off credit purchases, the user's Huabei page will no longer have credit purchases, and can only see Huabei, and can only use Huabei for consumption in the future.

Huabei supports active application for closure, but re-application for activation may not necessarily result in re-activation, because the activation of Huabei is determined by the system based on the user's comprehensive situation assessment, and only those who meet the Huabei activation standards Only users are qualified to activate the Huabei function, and actively closing Huabei will give a "bad" impression to the system.

The full name of Huabei is Ant Huabei, which is a consumer credit product launched by Ant Financial. After applying for activation, users will be able to obtain consumption quotas ranging from 500 to 50,000 yuan. At this time, you can advance the amount of Huabei, which means you can enjoy the shopping experience of "spend first, pay later". Since its official launch in April 2015, it has been strongly sought after by online shoppers. Data shows that 33% of Huabei’s users are born in the 1990s, 48.5% are born in the 1980s, and 48.5% are born in the 1970s. It is 14.3%, which shows that Huabei is more attractive to the new generation of consumer groups. For many young male users, the attraction of Huabei is that they can use their credit limit to make purchases, and its interest-free period can be up to 41 days. Because Alipay itself has its own credit system, namely "Sesame Credit", it calculates the user's credit rating through big data, gives a certain score, and then provides the corresponding payable amount, without the need for other collateral.

In addition to actively shutting down Huabei, it may also be actively shut down by the system. If Huabei encounters the following conditions, the Huabei system may actively shut down the Huabei function:

Failure to pay after due date. Huabei is a credit product, so it attaches great importance to the user's personal credit. If the user fails to repay the loan after borrowing from Huabei, and the overdue amount is large and the overdue time is long, the Huabei function may be permanently closed;

Cash out with Huabei. Cashing out is expressly prohibited by Huabei. Once the system discovers that a user has cashed out, the user's right to use Huabei may be permanently closed. If the cashing out is serious, the user may be prosecuted and bear criminal liability.