Online merchant loans, Jiebei, and Huabei are independent products. After the funds from the Internet merchant loan are borrowed, they are used to return Huabei and Jiebei. Although it can avoid overdue Huabei and Jiebei, However, this repayment method of tearing down one thing to pay for the other will continue to increase the repayment burden of users.

Therefore, it is not recommended that users apply for a loan to repay another loan.

In fact, when users apply for online merchant loans to repay Huabei and Jiebei, they are already classified as long-term loans. When the system review is stricter, users usually fail to pass the loan review of online merchant loans.

Don’t take it lightly if an online loan is overdue. In addition to being collected, your personal credit will also be affected, especially for online loans with credit bureaus. Once there is such an overdue record, it will seriously affect future applications. Bank loans and credit card businesses. Even if the online loan processed cannot be listed on the credit report, it can still access big data. You can check your online loan history, online loan overdue details, debt status, dishonesty information, online loan blacklist and other information on "Zhiyi Big Data".

Extended information:

How to unblock Huabei if it is frozen?

If Huabei is frozen, it is recommended to handle it as follows if you want to unblock Huabei.

First contact Alipay customer service to find out why Huabei is frozen, and then take corresponding measures to solve the existing problems.

1. Huabei repayment is overdue.

When repaying Huabei bills, the user failed to repay on time before the repayment date (inclusive), and became overdue. The system reported it to Zhima Credit and the central bank for credit reporting, resulting in personal credit damage. If it is damaged, the system will close the account and freeze the limit.

You need to pay off overdue debts quickly, and then it is recommended to maintain your credit for three to six months.

2. Brush points and cash out illegally.

Huabei explicitly prohibits transfers and cash withdrawals. If a user insists on withdrawing the credit limit, once discovered by the system, Huabei's functions will naturally be restricted.

It is prohibited to engage in bad behaviors such as score brushing and illegal cash-out, and pay attention to maintaining good personal credit.

3. The system suspects cashing out.

Due to frequent large-amount spending on Huabei (even emptying the credit limit at once), always spending on Huabei in the same store, and often spending on Huabei during unconventional merchant business hours such as early morning or midnight, etc., The system suspects illegal cash-out operations, so the use of Huabei is restricted.

Contact Alipay customer service to lodge a complaint and provide recent transaction details.

4. The account is unstable and subject to risk control.

Due to frequent modification of account information (such as changing bank cards, changing mobile phone numbers), frequently changing different devices to log in to accounts, always logging in to accounts from different places, etc., account risks increase, and the system is worried about account theft. , so risk control was launched.

Avoid such risky operations in the future and wait patiently for the system risk control to pass.

5. Sesame Credit score dropped.

The user's Zhima Credit score dropped below 600 points due to problems in certain aspects such as contract keeping record, behavior accumulation, identity certificate, asset certificate, and personal connections. However, Huabei is associated with Zhima Credit and will therefore The account was closed by the system.

Actively participate in the credit tasks launched by Sesame Credit, ensure timely performance, and enrich personal contract-keeping behavior.

6. There are bad records in credit reporting.

Bad credit records occur due to unpaid credit card overdrafts, other credit products or overdue guarantees, etc. Since most Huabei has now been connected to the credit report, it will naturally be indirectly affected.

Take the time to repair bad credit reports and be patient in accumulating a good record.

7. There are changes in personal comprehensive qualifications.

Users have recently lost stable economic income, their personal comprehensive qualifications have deteriorated, or Alipay asset transfers and financial redemptions have led to a decline in the overall system score, which has restricted the use of Huabei.

Improve personal comprehensive qualifications, increase Alipay assets, and regain new economic sources.

8. The account activity is too low.

Since Huabei has been activated, it has not been used. As a result, the system believed that there was no demand for the quota, so the quota was withdrawn and the resources were allocated to users with greater needs.

In the future, you can use Alipay and Huabei more to increase and maintain good consumption habits (be sure to remember to repay on time).

9. The system is under maintenance and upgrade. The system is being repaired.

Platform failure and optimization of service experience are being maintained and upgraded. During this period, accounts will be locked by the system and services will be suspended.

After the system maintenance and upgrade are completed, Huabei can be restored immediately.

10. Regulation has become stricter due to policy influence.

Recently, financial institutions have tightened supervision due to credit policies. Alipay has uniformly lowered the credit limit for personal credit consumption loans, especially withdrawing the credit limit from users with poor qualifications.

Human intervention is impossible. It is recommended to accumulate good credit and continue to pay attention in the future.