Sesame has a good credit, but Huabai is closed. What is the reason?

There are no more than three reasons why Huabai and Jiebai have been shut down! The first is the cash-out behavior of flower beds, which is generally detected by Alipay system. Occasionally it will be fine, but if it is too frequent, it will definitely be turned off.

The second is overdue behavior. There is a great possibility that the amount will be reduced at the beginning of overdue. It is inevitable that overdue behavior will be shut down many times.

The third is not to use it for a long time. If you don't use it for a long time, the system will think that you don't need these services at all and will naturally shut you down.

In recent years, Alipay's flower buds and borrowing buds are well known, with hundreds of millions of users. Everyone knows that flower buds are a service of spending first and then repaying. There is no credit and no interest. Therefore, everyone is happy to pay with the flower buds, and sesame seeds can be opened with a score of more than 550, which is very convenient. Borrowing is a financial lending service, and some lending services are for credit, with a quota of 300 thousand. You can use sesame seeds for more than 600 points. Reserve turnover is also a financial lending service, which can only be used when the amount reaches 300,000 sesame cents 52 1 or above. The unique service form in the official WeChat account is refreshing, popular and can be experienced alone.

Personal credit is very important in today's society, so everyone must remember to repay on time when using flowers and borrowing flowers, so that personal credit can be effectively accumulated, and when personal credit is accumulated, more quota access will be obtained.

Personal credit and good use habits are the primary factors to avoid the closure of flowers and loans. Everyone must pay attention to it, and the number of flower buds and borrowed buds is also closely related to these two factors. A friend of mine, with a credit score of 783, spent more than 30,000 yuan and borrowed 1.6 million yuan. Where's everybody? Welcome to leave a message for discussion.

Maybe because you often repay Alipay in advance and can't earn interest, Ma Yun's father stopped borrowing your flowers and will reopen them later. Don't worry.

This is the problem of use. If you don't use it often, it will be turned off or reduced, so you should use it often. In addition, if you cash out the flower buds and lend them out, they will also be shut down and used reasonably.

After Huayuan "separated", the closure standard was officially announced. Three types of Alipay users or recruits have now entered the Internet era, and smart phones have been fully popularized. I believe you have used Internet financial tools such as Alipay or WeChat in front of the screen. Whether online shopping, payment or offline payment, we can almost always pay with Alipay or WeChat. Alipay and WeChat have occupied more than 90% of the market in the field of mobile payment, and even the bank's China UnionPay Express is now far behind. In addition, in the field of internet finance and credit, Alipay's flower garden loan has become a benchmark and leader in this field, and micro-credit on WeChat has also performed well, occupying an important market and position.

The Bai Hua loan on Alipay originally belonged to two small loan companies owned by Ant, and both of them provided services on Alipay with reference to Sesame Credit. Bai Hua's loan enriched Alipay's financial attribute function and promoted the development of Sesame Credit. Alipay's huge user traffic has also fed back Bai Hua's loan, making it two dazzling stars in the field of Internet credit. With the wide application of flower lending and sesame credit, powerful internet giants have also launched their own credit information services, and the sesame credit system has also been widely included as an important reference for credit granting and line credit. Let's take a look at several commonly used services at present.

1, ant flower. Now, after the "separation", there is no cooperation and participation of banks and other institutions, and its main body has also been changed to the ant consumer finance company under the ant, but it still refers to Sesame Credit. Theoretically, if the sesame score is greater than 550, there is a chance to open it. After opening, it can be directly used for consumption payment in various scenarios, and can be repaid the next month. The maximum overdraft limit is 50,000 yuan.

2. The ant borrowed it. Accurately speaking, the "separation" of the loan treasure was before the flower garden, which also excluded the services provided by banking institutions and became a pure ant consumer financial product. Like Hua Bai, it belongs to the exclusive consumer finance brand of Ant Consumer Finance Company. Sesame credit score exceeds 600 points, and it will be opened after formal invitation, with a maximum loan of 200,000.

3. Hippo. This is comparable to the WeChat public platform loan. It is the choice of 202 1 with insufficient loan amount and no micro-loan, with a maximum of 200,000, but it is more generous than micro-loan and loan, and you can apply without invitation. Generally, you can open a line of tens of thousands to hundreds of thousands for the first time, which solves the embarrassment that everyone has no loans and micro-loans.

The above are several practical applications of Sesame Credit in the field of Internet credit. Among them, Bai Hua's loans have been "separated", and those banking institutions that once cooperated with it have also been separated. The remaining loans from Bai Hua only belong to Ant Consumer Finance Company. So what changes will flower bed borrowing bring after "separation"? In particular, the sealing standard of flower buds has always been a concern of everyone. Then let's simply interpret what actions may lead to the closure of flower buds after they are "separated".

In the first category, frequent cashing of flower beds will lead to the closure of flower beds. In the past, many people "squandered" money with luck, which may not lead to the closure of flower beds, but now flower beds have become the regular army of consumer finance, and the supervision will be further strict. If we still have this mentality to cash out the flower beds, then the end result is that all the flower beds will close down. There is a simple reason. The essence of flower buds is actually equivalent to a credit card. Credit card cashing will be blocked, and flowers will also be blocked. In addition, flower buds and borrowing buds are now exclusive products of ant consumer finance, and one violation will naturally be implicated in the use of the other, because flower buds may be shut down.

Second, after the loan is used, the funds will be used for investment, wealth management, buying a house, buying a car and so on. The flower garden loan will be shut down. As a consumer financial service, loan can be directly withdrawn to the bank card for free disposal, but there are also requirements for its use. In principle, it can only be used for consumption, not for investment, wealth management, buying a house, etc. It is even impossible to repay the mortgage. Once the olefin is detected, it will be possible to close the flower garden and borrow it, and all the arrears may be required to expire in advance.

In the third category, after the flower buds are "separated" into consumer finance, the total amount of consumer loans for users will also be strictly regulated in accordance with relevant regulations. In other words, the total loan amount of personal consumption credit cannot exceed the average annual income in the last three years. If users borrow too much and have too much debt elsewhere, they may face bankruptcy. This situation has nothing to do with credit, so many users say that they have good credit, but they are closed, which is probably the case.

The above three types of situations are the standards that will be strictly implemented after being divided into consumer finance companies, which add a lot of details to the previous closure standards. In the past, the advance payment of flower buds was also closed, but this situation will no longer exist in the future. As long as your credit and financial situation are good enough, you won't be closed if you don't use it for a long time or repay it in advance. Finally, it is worth mentioning that if loans overdue fails to repay the loan, the credit will be damaged, which will lead to the suspension of the loan. This is the basic rule that all credit services are the same. If you don't mention it, it doesn't mean it will be gone. Finally, what do you want to say? Welcome to leave a message

Huayuan officially announced the closing standard, and four types of Alipay old users were recruited. I hope you're not in the internet age. Alipay and WeChat have made extraordinary contributions in the financial field. Mobile payment represented by Alipay and WeChat payment has occupied more than 90% of our payment market and payment methods, which has solved many disadvantages of cash transactions. Credit service products such as flower bud loan and micro-loan have solved the problem of people's long-term credit restriction and difficulty in borrowing money. Among them, Huayuan Borrowing has undergone many rectifications since last year, so what should we pay attention to in the future?

Previously, Flower Garden was the product of two small loan companies under the Ant Group, and the actual service funds were jointly participated by several cooperative banks. We didn't spend money. We owe money to ants. Now, Huabai has been included in the specialized consumer finance company under Ant, namely Chongqing Ant Consumer Finance Co., Ltd., except for the joint lending of bank funds. But it is also based on the sesame credit system. At present, the sesame credit system has been highly recognized by the Internet. Let's take the field of consumer credit as an example to see the practical application of sesame credit.

1, ant flower. Flower buds are based on sesame credit, and can only be used if the score is above 550. However, if you want to get a higher credit limit, you need to have a good credit rating of over 600. The higher the sesame score, the higher the credit line of Huayuan, with a maximum of 50,000 yuan. On the other hand, if the sesame score is high, the amount of flower buds may not be high, and there may be no right to use flower buds.

2. The ant borrowed it. Borrowing as a brother product is also based on sesame credit. The basic requirements need to reach more than 600, and at the same time, the system background audit invitation is needed. Only when these two conditions are met can the final loan amount be successfully approved, with a maximum of 200,000 yuan, which mainly provides cash credit service. Users need to withdraw cash to their bank cards before they can use it freely.

3. Hippo. Hippo Xiaobai still refers to sesame credit score for mobile phone credit, which is functionally comparable to borrowing. As long as the sesame score exceeds 650, you can apply on the WeChat public platform. This aspect is different from the passive application of Huabai in Alipay. Usually, users can apply for more than 20 thousand for the first time. If the credit score exceeds 750, it is more likely to be more than100000, with a maximum of 200000. As long as the credit continues to be good, it can also circulate indefinitely.

The above three services are Internet credit services authorized by Sesame Credit Sub-branch, and they are also the three mainstream credit services at present. Of course, in addition, there are small and short-term reserve funds and online business loans that provide operating turnover services for small and micro enterprises. However, in recent years, it has basically not been affected by ant rectification. Huabai's credit has been collected and the user quota has been compressed. It was not until the brand of Huabai was separated that the rectification officially came to an end. At the same time, the standard of closing the flower garden finally fell. Let's take a concrete look.

First, the flower garden will be shut down if it fails to repay on time. This is the eternal natural law of all loan services. Not only that, users' failure to repay other loan services on time will also lead to the damage of credit information, which will lead to the closure of flower beds.

Second, the violation of Alipay account will lead to the suspension of Huayuan loan. Especially now, some treasure moms like to do part-time jobs online, including illegal billing and illegal false transactions through Alipay. Once this behavior is detected by Alipay system, it will lead to the closure of flower beds. In addition, the illegal behavior of Alipay account may not only lead to the closure of Alipay account, but also the closure of Huayuan will definitely come early.

Third, Bai Hua's false transactions were cashed out. Whether it's cashing in through your own POS machine or cashing out by using the shop payment code of relatives and friends, it's easy to be detected by Alipay's big data system. Now, the loan of flower buds is included in the supervision of ant financial service consumption, and there is zero tolerance for the cash-out behavior of flower buds. In fact, the borrowing of brother products will be shut down with a high probability.

Fourth, borrowing money to invest in wealth management, or borrowing flowers to enter the real estate sector, will also lead to the closure of borrowing flowers. As a consumer financial product, users are forbidden to invest in wealth management and purchase fixed assets. Once discovered, they will close the flower shop to borrow money. Funds used for investment and financial management such as stock trading will not only be shut down, but also be required to repay all debts in full in advance. Now the fund supervision is more standardized and comprehensive, and even some old Alipay users use loans to repay their mortgages, and finally they are shut down.

In short, flower garden loan has now become the exclusive product of ant consumer finance, not only other third-party institutions can't get a share, but also the supervision of the use and flow of funds is more standardized and strict. The above are the reasons why several common flower beds have been shut down at present, and even many old Alipay users have been recruited. I hope you're not among them! Finally, tell me what you think about borrowing flowers now. Welcome to leave a message, collect and forward.