Jiebei's interest is even higher than a credit card's.
Tips
culture
Ant Group product inside Alipay, sibling of 花呗 (Huabei, credit-card-like 'just spend'). Both use 呗 (a breezy final particle, roughly 'just...lah') to make borrowing sound casual. Renamed to 信用贷 in some contexts under tightened fintech regulation.
