Advantages of Ant Huabei: (1) Users who have not opened a credit card can enjoy the services of a credit card, that is, the advantage of spending first and repaying later. It can be used both online and offline, and using Ant Huabei is very convenient and flexible. (2) Some people in life have overdue records because they forget to repay their loans due to busyness or other reasons. Ant Huabei can choose to actively repay or automatically repay when repaying, eliminating the bad records caused by overdue loans. (3) Ant Huabei can also choose installment. As long as your consumption amount reaches 600 yuan, you can apply. During Double 11 or 618, many merchants will offer installment activities, and it is interest-free. (4) If you frequently use Ant Huabei for consumption and repay the loan on time, your Zhima credit score will increase every month. The higher your Zhima credit score, the more and better services you can enjoy.
Disadvantages of Ant Huabei: (1) Ant Huabei supports most merchants, including online and offline, but small merchants cannot yet use it. (2) The limit is relatively low. The initial limit of a credit card is generally around 5,000 yuan, while the initial limit of Ant Huabei is generally around 2,000 yuan, but the specific limit still depends on personal circumstances. (3) For users with lower credit limit, the interest rate will be relatively higher when choosing installment. The above is a detailed introduction to the "advantages and disadvantages of using Ant Huabei" analyzed for everyone, which will bring some help to friends who want to use it or have already used it. It should be noted that everyone must remember to repay on time after using it to avoid bad records in personal credit reports.