In order to avoid the restricted normal use of Huabei risk control, Huabei needs to ensure that the repayment on time must not be overdue. It needs to consume in well-known stores, avoid some irregular consumption channels, diversify consumption, use more, and make full use of large and small amounts.
蚂蚁花呗被风控的主要原因有几种：1 、门店交易全是短期的分期，3 期或者 6 期，无扫码支付和其他分期；2 、交易的金额过大，现在平均过单价在 2500/笔；3 、交易过程中出现了很多整数比如 2500，3800，6000 ；4 、在一次不成功过后，用同一金额，同一个用户不停的去生成订单交易。
There are several main reasons for the risk control of ant flower: 1. The store transactions are all short-term installments, three or six, no scan payment and other installments; 2. The transaction amount is too large, and the average unit price is 2500 per transaction; 3. There are many integers in the transaction process, such as 250038006000; 4 . after one failure, the same user will generate order transactions with the same amount.
Ways to avoid risk control
1、按时还款，蚂蚁花呗在每月的 1 号会出上月的消费账单，如果资金充足可以全额还款，如果有压力还可以分期还款，总之一定不要逾期。
1. On time repayment, ant Huabei will issue the consumption bill of last month on the first day of each month. If the fund is sufficient, you can repay in full, and if you have pressure, you can repay in installments. In a word, you must not be overdue.
2. In the famous shops, although the use of Huabei is very convenient, roadside stalls can be used, and small shops can also be used, but try not to use in small shops to avoid minefields.
3. Diversified consumption, multiple use, large amount and small amount are fully used.
Pay attention to ant flower
1. Ant flower is a regular consumer micro loan. If it is overdue, it will affect personal credit, even indirectly affect the loan and credit card processing.
2. Once ant flower is overdue, it will face regular collection. And the main collection is ubiquitous and long-term. In the era of big data, Alipay has grasped the core of it, so the dishonest person is faced with nowhere to hide and nowhere to hide. At present, all the high interest loan products need to be screened through big data.
3. Once Huabei is overdue, its nature is relatively serious. It is not only able to collect credit, but also subject to strict restrictions and supervision in personal housing loans and other social and economic activities.
At present, when some regular financial institutions and banks apply for loans, they require customers such as ant Huabei to settle or refuse loans directly. Moreover, due to its particularity, in the future, online shopping loans, daily consumption, online payment, even car rental, part-time delivery and delivery may be rejected and affected.