Hello everyone, welcome to Dark Horse Commune.
Want to sayHuabe, that is really a”life-saving straw” for contemporary youth. Buying a small Dong Xiaoxi at the end of the month is not a problem, paying a rent or the like, even, many small partners rely on the money they spend to”wrap” Yu’E Bao’s wool.
In the dark horse’s view, as long as you make monthly payments on time, no Interest, it’s actually good to use flowers, because it gives you extra moneyWorking capital.
Not long ago, due to some well-known reasons, Ants suffered some blows, and its various products also encountered certain adjustments. . The most obvious feeling reflected in everyone is:My flowersAmount has become lower.
But don’t worry, just recently, there were media reports saying that Tencent Technology (Shenzhen) Co., Ltd. is applying for registration“Individual payment“Trademark, the status of the trademark is displayed as pending.
Huh? What is split payment?
According to media reports,”divided”Is the WeChat benchmarkAlipay Huabei installment business.
According to the usage display of some WeChat users at the end of March last year, when users use WeChat payment When paying, you can choosePay first, then repay by installments, in addition, the main feature of”partial payment” is Offline market.
mentioned staging, Many people think of Huabei, but what the dark horse wants to say is,“Fenpay” and Huabei completely different.
We all know that as long as Huabei repays within one month, no matter how much you spend, there will be nothing This is because Huabei is settled on a monthly basis. It is not the same as”distribution.
According to the report,“Individual payment” is a daily interest calculation. In other words, its repayment method is more flexible.
However, this also means that it may not have the kind of interest-free service that Huabei repays within one month. Because there is currently no more information about”divided payment”, we cannot know which is more cost-effective,”divided payment” or Huabei.
Attention, so far ,”Divided payment” is still inInternal testIn the process, it cannot be passed temporarily Other channels are actively opened.
If you want to know whether you can use”divided payment”, you can query as follows:
found [Payment]-[Wallet]-[Help Center]-[Customer Service], enter in the dialog box [Open split payment]You can check whether you are eligible.
This problem is currently There is no answer.
According to the information learned by the dark horse at this stage, WeChat’s”divided payment” and Alipay’s Huabei are more of a kind Dislocation competitionthe situation.
Because Huabei exists, the original intention is to Ali’s e-commerce services, so Alipay is more focuses on online上服务.
In contrast, WeChat based on acquaintances’ social fission focuses onBreak offline After all, in terms of online electronic business, Tencent is indeed not a rival of Ali, but offline, it is impossible to say.
I don’t know what everyone thinks of WeChat’s upcoming”distribution payment”. For most users,The appearance of”divided payment” may just be an additional choice.
However, one thing to note is that whether the pipe is a flower or a”divided payment”, for this kind of advance Overdraft products, we should allRational view and rational use, after all, it’s just the money you borrowed, not the money you own.