Is there a "routine" in Alipay? There is actually a big difference between "paying in advance" and "not paying back on time" in Huabei

With the continuous development of the times, many mobile payment software have emerged. They solve the troubles of users carrying cash and finding change when going out, helping users save a lot of time. Therefore, these software have gradually gained everyone's recognition.

Currently, the two mainstream mobile payment softwares in the market are WeChat and Alipay. Alipay has more than 1 billion users worldwide. Its founder is Jack Ma. In order to bring more convenience to users, Alipay launched the Huabei and Jiebei functions. These two functions can lend money to users to help them solve urgent needs.

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For example, a user likes a limited edition pair of sneakers. The quantity of this kind of shoes is very small, and the merchant will no longer sell them or they are out of stock after a period of time. Therefore, the user needs to buy them quickly, but he finds that he has no money at this time. It would be a pity if he does not buy them. At this time, he can choose to use Huabei.

Huabei can temporarily lend users a sum of money. The amount of the loan is determined by your usual credit and the frequency of using Huabei. The better the credit, the higher the amount of the loan. The number of Huabei users exceeds 100 million, and the cumulative loan amount exceeds 300 billion yuan, which means that the average loan per person in Huabei is around 3,000 yuan.

Huabei will set a fixed repayment date, and users can choose according to their actual situation. In the past, Huabei's repayment date was the 9th of each month, but some people do not get their salary until after the 9th, which means they do not have the money to repay Huabei in advance, and can only wait until their salary arrives to pay the rest.

Alipay Huabei has changed the repayment date of Huabei after considering the difficulties faced by users. In other words, users can decide which day to repay Huabei according to their actual situation. This design is really very user-friendly, but some users have found that Alipay has "routines". Is there a big difference between "early repayment" and "overdue repayment" of Huabei? So what is going on? The following editor will show you how to understand and analyze it.

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Huabei's "overdue repayment" will generate interest and will also affect Alipay's assessment of your credit score. If you do not repay the money for a long time, your credit and the amount you can borrow will decrease. In serious cases, Alipay officials may also block your account and affect your personal credit. Some people think that since overdue repayment has an impact, it is always okay to pay off the money in advance. In fact, early repayment is also inappropriate.

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If users often pay back Huabei in advance, then Alipay officials will think that you do not have much demand for the Huabei app, and that your financial conditions are good and you should lend the money to more people in need. At this time, your borrowable amount will grow slowly or even stop growing. Therefore, compared to "paying back in advance" and "not paying back on time", paying back Huabei on time is a better choice.

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Paying back Huabei on time means that the user has good credit, has a demand for this software, and has the ability to repay. Therefore, Huabei is naturally willing to increase more credit limits for such users. Of course, the original intention of designing Alipay's Huabei function is to allow users to solve urgent needs. Excessive advance consumption is not good. Users should act within their means based on their actual situation. It is best to develop a financial management mindset so as not to turn themselves into "moonlight clan".