Huabei risk control means that Huabei cannot be used for payment on the platform. In short, Alipay limits your consumption scenarios and limits the consumption of some platforms. The main reasons for Huabei risk control are overdue repayment, irregular payment channels or long-term use, and sudden large consumption.
Huabei risk control means that Huabei cannot be used for payment on the platform. In short, Alipay limits your consumption scenarios and limits the consumption of some platforms.
Causes of Huabei risk control
1. Overdue repayment
蚂蚁花呗和信用卡一样有 3 天的还款宽限期，如果有特殊情况可以向支付宝客服去申请这 3 天的宽限期。除了这 3 天的宽限期，其他的逾期还款都可能导致蚂蚁花呗风控。
There are 3 days’ grace period for ant flower and credit card. If there is any special case, you can apply to Alipay customer service to apply for the grace period of 3 days. In addition to the three-day grace period, other overdue repayment may lead to ant Huabei risk control.
2. Payment in irregular payment channels
Ant flower can be used in many places, and there are some people who choose some low cost and irregular channels because of the cost and cost problem (for merchants to spend money on Alipay).
3. No need for a long time, suddenly large consumption
The original intention of ant Huabei is to hope that users can use multiple places in their lives, such as eating, taking a taxi, supermarket and Taobao. If you suddenly use it in large amount, it will make Huabei’s risk control system think that your consumption is abnormal, and even mistakenly think that the stolen brush will be restricted.
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.
The buyer has lost the solution
1. First, judge whether you are in a common place or shopping with a common mobile phone. If there is no problem above, it is suggested to change more shops to open flower payment.
2. Huabei quota is divided into Taobao and tmall. If Taobao can’t be used, choose to buy tmall products on the computer, and choose those that can be purchased by stages to see if they can be purchased by stages.
3. Check your own repayment records to see if there is any overdue payment. After the overdue payment, Huabei will disappear.
4.存在风险交易，请间 zhidao 隔几天再试，如果用手机支付的，改成电脑支付。用电脑付款的改成手机支付。
4. There is a risk transaction. Please try again every few days. If you pay by mobile phone, it will be paid by computer. Pay by computer instead of mobile phone.
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.