从新手到高手：花呗快速提额的全攻略

class HuabeiUser:
    def __init__(self, credit_score=0, payment_history=[], consumption_pattern=[]):
        self.credit_score = credit_score
        self.payment_history = payment_history
        self.consumption_pattern = consumption_pattern

    def update_credit_score(self):
        # 模拟信用评分的计算逻辑
        score = 0
        for payment in self.payment_history:
            if payment['on_time']:
                score += 10
            else:
                score -= 20

        for consumption in self.consumption_pattern:
            if consumption['amount'] > 0 and consumption['amount'] < 1000:
                score += 5
            elif consumption['amount'] >= 1000:
                score += 10

        self.credit_score = max(0, score)

    def apply_for_increase(self):
        self.update_credit_score()
        if self.credit_score > 80:
            return "提额成功"
        else:
            return "提额失败"

# 使用示例
user = HuabeiUser()
user.payment_history = [{'on_time': True}, {'on_time': True}, {'on_time': True}]
user.consumption_pattern = [{'amount': 500}, {'amount': 1500}, {'amount': 200}]
print(user.apply_for_increase())  # 输出: 提额成功