1. Positive answer

If users want to increase their Huabei quota to 5,000, they can use the following methods.

2. Specific analysis

1. Maintain a good credit record.

Users need to maintain a good credit record for a long time. A good credit record includes loan records of returning Huabei, borrowing, and reserve funds on time, as well as performance records in business scenarios.

Contract performance records in different consumption scenarios can reflect the user’s high ability to fulfill contracts, which helps the system to better comprehensively evaluate users.

Users' strong repayment ability and willingness to repay will definitely help users increase their Huabei loan limit.

2. No overdue records will be generated.

Users cannot generate overdue records when using Huabei, Borrowing, or reserve funds.

When using Alipay’s credit service, no default record can be generated.

Overdue records and default records will affect the user's personal credit report and Zhima Credit. After the personal credit is damaged, the system will lower the user's comprehensive credit score when conducting a comprehensive assessment for the user.

After the comprehensive credit score drops, users will not only be unable to increase their Huabei quota, but may also have their Huabei quota reduced.

3. Receive Huabei’s temporary quota.

During the event, Huabei will provide temporary Huabei quota to some users. After obtaining the temporary quota, the user's Huabei general quota will increase rapidly in a short period of time.

Of course, not every user can receive the temporary quota. Only users invited by the system can receive the temporary quota.

Furthermore, the temporary quota has a certain validity period, and the temporary quota must be used within the validity period, otherwise the expired temporary quota will be automatically withdrawn by the system.

4. Keep your account active.

Users use Huabei more for payment, keeping their accounts active and diversifying their consumption, which will also help improve the results of the comprehensive evaluation of the system.

Users use Huabei to pay, indicating that users have strong spending power.

Consumption power is one of the considerations when increasing Huabei’s quota. The system is more willing to lend money to users who have borrowing needs.

5. Actively participate in public welfare activities.

Users often participate in Alipay's charity activities, which can help the system to evaluate the system well.

Frequent participation in charity activities means that users are in better financial condition and are more caring.

This type of users usually have excellent repayment ability and willingness, so when reviewing the Huabei credit limit, the system will provide the user with a higher loan limit.

6. Large amounts of payment can be made.

Users use Huabei or Alipay to make large payments, which reflects that users have strong spending power.

When the spending power is strong, the system may provide higher loan amounts to users.

However, you need to be careful not to over-consume. Excessive consumption will actually reduce the system's score for the user. Only moderate consumption can help Huabei increase your quota.

7. Supplement the personal asset certificate.

Users can go to Sesame Credit to complete their real estate information and vehicle information, so as to inform the system that they have fixed assets in their name.

At the same time, users can purchase financial products in Alipay or deposit money into Yu'E Bao.

Financial management behavior can prove that the user has a high ability to fulfill the contract. When the system re-evaluates Huabei's loan limit later, it may increase Huabei's borrowing limit.

In addition to receiving a temporary quota, users cannot quickly increase their Huabei quota in a short period of time.

Credit is a process of accumulation. Huabei quota increase also needs to wait for system evaluation. Users cannot actively apply for Huabei quota increase.

As long as the user meets the conditions for Huabei to increase the amount and passes the system assessment, the loan amount on the Huabei page will increase after the assessment is completed.

Although many online loans are not subject to credit reporting, each small loan platform has its own third-party big data credit platform. If there is an overdue or non-repayment, , then the third-party platform it cooperates with will leave a record. If you want to apply for a loan on other small loan platforms, it will basically be difficult to pass.

You can get a big data report on Beijian Quick Check to grasp your own big data status in a timely manner. It is an online loan big data query system that provides comprehensive, accurate and complete data information to online loan applicants.

3. Will Huabei’s repayment next month affect my personal credit?

Huabei is a product that is consumed in the current month and repaid the next month. The repayment next month is a normal repayment, and normal repayment will not affect personal credit.

Of course, this normal repayment has requirements. It must be repaid on time and in accordance with the amount. The repayment time cannot exceed the repayment grace period, and the repayment amount must be greater than or equal to the minimum repayment amount.

Therefore, when Huabei repays next month, users must repay according to the above two requirements. As for users who choose to repay in advance, whether they need to repay on the repayment date will be based on the page Shown shall prevail.