Huabei

花呗消费信贷使用指南。Use for: (1) 免息期与账单机制理解——怎么用是免费的、怎么用会产生费用, (2) 分期真实成本计算（表面费率 vs 真实年化 IRR）, (3) 征信影响认知与关闭/调额路径。Huabei (Ant Credit Pay) guide: interest-free mechanics, real APR calculation for installments, and credit-report implications.

by @zhangifonly·MIT-0