Why was the borrowing suddenly closed, and what was the reason why the borrowing was suddenly closed

During the use of the debit, the system will comprehensively evaluate whether you can continue to use it according to your account situation and the use of the debit from time to time, so it may be normal that the previous can be used and the subsequent evaluation cannot be used.

If your current borrowing assessment is no longer available, we recommend that you pay attention to the follow-up, as the system will evaluate whether it can be restored from time to time, and the assessment result cannot be intervened manually.

Borrowing is the Alipay system according to the settings to automatically open and close Xu is that you haven't used the borrowing shell much, so it is closed overdue,As long as the overdue interest is paid on time,Alipay has money to make,Of course, it will not be closed。

What do you mean? Is it that the software suddenly won't open, or that you can't borrow money anymore.

Hello, Borrower will update your limit in real time according to your account situation, and it is recommended that you maintain a good credit history. If you can't use the loan, you can also use Youqianhua, which is the original financial credit service brand (original name: Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security.

The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately!

The maximum borrowing amount is 200,000.

1. Alipay's negative record. In fact, in addition to Sesame Credit, Alipay has also launched an entrance that can record the overdue situation in a unified manner, and everyone can check their overdue status by entering Sesame Credit - Credit Management - Find Negative Records. Here, I would like to remind you that not only will there be serious consequences after borrowing and Huabei are overdue, but also applying for a third-party lending institution through Alipay, if there is an overdue, it will also lead to a sharp drop in credit, and the risk of default in the account will occur, resulting in the closure of the loan.

2. Poor public behavior. In addition to overdue behaviors, users who do not perform on time such as taking a taxi through Alipay to release the driver and pigeons, and sharing bicycles without locking the car to pay, may lead to integrity risks in the user's Alipay account, which will lead to the borrower being easily closed.

How did the ant borrow be turned off? What is the reason for this?

3. Frequent early repayment. You must know that early repayment itself is a breach of contract, and the regulations in the industry are that early repayment is allowed, but it is not encouraged, after all, after early repayment, the loan amount is not only not fully utilized, but Alipay's interest income is also decreasing, which means that users are not short of money. Therefore, in order to avoid wasting resources, lenders will naturally choose to release the credit to those who need it more.

4. The frequency of loan use is not high. Some borrowers have good credit and active accounts, so Alipay will give a certain amount of borrowing from time to time, especially when it is found that the user's credit card repayment flow is large, which means that the user has a large amount of consumption in the near future. At this time, it is relatively easy to open a borrowing, but if you don't use it all the time, then it is likely to cause the borrowing to be closed.

How did the ant borrow be turned off? What is the reason for this?

All in all, Ant Borrowing does not support manual opening for the time being, so when the limit is closed also depends on luck, the basic principle is that there is a lack of money in the near future, Huabei Credit Card has a high frequency of use, good credit, and continuous use of borrowing, so that it can always be opened to borrow.

Generally speaking, if your borrowing amount is suddenly gone, it may be due to the following reasons:

1. The first reason is that Ant Financial has temporarily closed your qualification to use borrowing, which is a relatively normal adjustment. The borrower will make a comprehensive assessment of the user's usage and credit, and then will close your borrower according to the actual situation.

2. The second reason is that you are not overdue in the loan, but if you have a bad record in other loan products on Alipay, the loan may also be closed.

3. The third reason is that your borrowing function has been transferred to the online business loan, at this time, you need to open the last page of Alipay and click on the online business loan, so that you can see the amount you can borrow; In addition, the amount of online business loans is usually a little higher than that of borrowing.

4. The fourth reason is that there are illegal uses of Alipay, such as swiping points, cashing out, etc., and once detected by the system, the borrowing will be closed.

5. The fifth reason is frequent overdue, if your repayment performance is poor, then the system will think that your account is at risk, and then your borrowing will be closed.

6. The sixth reason is to change personal information frequently.

Clause.

1. Changing the mobile phone number or information bound to Alipay is too frequent, causing the system to think that your account is unstable and has potential security risks. Clause.

2. Failure to repay in accordance with the agreed 3-month, 6-month, and 12-month installment time, and frequent early repayment. Clause.

3. Borrowing is often consumed, but when repaying, frequent overdue will lead to a decline in Sesame Credit Score, which will lead to the closure of the system. Clause.

Fourth, the use of Alipay accounts to cash out, brush points and other behaviors, which is intolerable for Alipay.

I believe that many friends have Alipay in their mobile phones, and in addition to spending installments, they can also apply for loans at critical times. Ant Borrowing is a pure credit loan platform in Alipay, and as long as Alipay is used normally, there will be a certain amount. However, some users said that their borrowing was closed for no reason, and if the borrowing was closed for no reason, it means that some of your operations have attracted the attention of Alipay, so you must pay attention.

The reason why the borrowing was suddenly closed: the user did not use the borrowing for a long time; The activity of the Alipay account is not high; Serious overdue behavior during the use of the borrower; Huabei and reserve funds are overdue; The user's Alipay account is at risk; The user's personal information has been modified. If the above reasons occur, it may lead to the sudden closure of the loan.

Since the borrowing qualification of the borrower is determined by the system evaluation, after the borrower is closed, it can only wait for the system to re-evaluate, and manual intervention cannot be carried out.

1.Malicious Use.

The malicious use mentioned here mainly refers to frequent borrowing and frequent repayment in the application. Every platform is very disgusted with brushing quotas, borrowing is no exception, if you want to increase the quota, you can use it frequently, but not frequently, here you need to grasp the degree.

For example, if you apply for 6 months, then you will pay it off in 6 months, and some friends may think that it is better to pay it early, but it is not.

The problem of early repayment: first, the platform did not make money by repaying it early, and secondly, it took as long as you borrowed to repay, and if you borrow and repay frequently, ordinary platforms will feel that you are brushing the quota, and each platform is very disgusted with this behavior.

2.Never use.

As long as there is a quota, you seize the opportunity first, for example, 50,000 quota, you don't need to withdraw all of it, you can withdraw a part of it first, one or two thousand can be, the focus is to generate credit history. In fact, borrowing this thing is the same as playing cards.

Also, some friends borrow very slowly, so a group of people who borrow is born, mainly after some abnormal operations, defrauding Alipay's quota, I advocate that you don't try, otherwise the function will be turned off and it will be cold.

3.Frequent early repayments.

Regarding this, the first article has been mentioned, don't be frequent, it is very important to grasp a degree, you can occasionally repay the loan once or twice, but if you do this frequently, it will not work. Often repay early, this is estimated to be committed by many friends.

If you believe it, you will lose, the essence of borrowing is to earn interest, if you often borrow and repay, borrowing can not make money, why should he open it for you?

4.The documents have expired.

Expired certification materials, such as expired ID cards. Many people have encountered this situation, the ID card expires, and then the function of Alipay cannot be used at all, re-apply for the ID card, re-authenticate and return to normal.

5.Borrowing is overdue.

Penalty interest is charged at multiple times of the original interest! It's still very high, so you must not be overdue, whether it is a credit card or an online loan, don't be overdue. Some people may have forgotten, this is more wronged, so it is also very important to do a good job of repayment reminders, of course, a day or two before the repayment of the borrowing will send a text message notification.

Some antivirus software on your phone may be blocked, remember to pull into the whitelist.

How was my loan closed, why was my loan closed if I was not overdue, why was the early repayment still closed, and can the closed loan be reopened? and so on

Many friends said that they were borrowed, and they were closed inexplicably! Confused rhythm! For this reason, many people are a little blindsided, and I don't know what the reason is.

1. Why was the borrowing suddenly closed?

I went to consult customer service, and the customer service asked me if I consulted this number, and I said that I didn't borrow the amount, and the customer service didn't give a reply for this, saying that the inquiry was that I had an account, and I didn't ask for valuable clues.

The sudden closure of the loan is evaluated by the system according to personal spending habits and repayment ability, and it may also have a certain relationship with the usual activity of the personal account

For example, the identity has multiple loans, high debt ratio, borrowing has been opened for a long time but has not been used, thinking that you don't need to be **, and multiple scopes are comprehensively evaluated.

Of course, it is also possible that the system upgrade and other reasons are caused by the borrowing being closed!

2. Can it be opened again after the loan is closed?

If Ant Borrowing is closed, whether it can be reopened in the future, the background will make corresponding policies according to your usage, and the information displayed on your personal Ant Borrowing page shall prevail.

3. How did borrowing become an online business loan?

Since September last year, some friends have said that my loan has been closed, and then there is an online business loan.

So why did borrowing become an online business loan?

This is the system according to the personal account, store operation data and the actual situation, to customize the loan service that is more suitable for users.

There are several reasons why the borrowing was suddenly closed:

1. If Alipay users frequently apply for loans in borrowing and then repay

Some users think that when they have enough funds, they will repay the loan as soon as possible. In fact, this operation has the opposite effect and may be shut down by the platform. For example, if a user applies for a 12-month loan on a loan, the user needs to repay the loan in a timely manner every month.

2. The borrower adopts the user invitation system, and the user can only apply for the loan if he is invited by the platform.

At present, the loan threshold of the platform is a Sesame Credit score of 600 points or more, and only those who meet the loan requirements of the platform can obtain a loan. If users have applied for a loan in Borrow, but have never used the platform to apply for a loan, the loan amount of these users will be reduced or even cancelled.

3. The user repays the loan in advance after the borrower successfully applies for the loan

Although borrowers support early repayment by borrowing users, frequent early repayment shows that these users are not short of money, and the platform will not provide loan services for these users.

4. Alipay users have overdue loans in borrowing

The Alipay platform will charge penalty interest according to the number of days the user is overdue. It is recommended that users do not have overdue situations on the platform, which will affect their personal credit and will also affect borrowing on other online loan platforms in the future.

The first is that you haven't used the loan for too long: the loan service is provided for some users with financial needs, that is to say, if your economic situation is good, you don't need to use the loan, then you have to give the occupied quota to others, when you open the loan for a long time and do not use it, then the system will default to your good economic situation and do not need to use it, and it will naturally help you close. Generally speaking, borrowers who have not used the system for more than 3 months will be closed for you, and if the frequency of use is low, there is also a possibility of closure, which needs to be noted.

Second, frequent early repayment: it is not a public welfare software free loan for users, one of its biggest benefits** is the handling fee charged by the user for overdue repayment, if the user often repays in advance, then it will not make money, and often repay in advance, it is easy to be mistaken by the system that your economic situation has been alleviated, and you no longer need the help of borrowing, so it will naturally be closed.

Third, lack of integrity: The lack of integrity here does not mean that the user is late in repayment, but that there are often dishonest behaviors in other aspects. Borrowing is linked to our credit reporting system and Sesame Credit Score, and if there is any problem in any aspect that will affect the use of the function, such as credit card repayment, transaction and financial management, etc., your borrowing may be closed.

Alipay version:

Extended Materials. 1. "Borrowing" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is 1].

On January 9, due to excessive leverage and violation of relevant regulatory regulations of the central bank, some users were voluntarily closed to control the loan balance.

On November 8, it was reported that the name of Alipay's "borrowing" had been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.