The ant borrowing has been forced to close, can your borrowing still be used?

Hello, the answer is that it can be opened, but re-opening also needs to be evaluated by the system, and it generally takes a long time to accumulate good credit before it can be opened. Please refer to the following points for details:

1. Try to maintain a good and stable use of Alipay account, minimize the situation of logging in from other places, changing mobile phone logins, and do not frequently change mobile phone numbers and passwords.

2. Maintain a good credit situation For example, loans from other platforms such as credit cards, car loans, and housing loans must be repaid on time.

3. Transfers, cash withdrawals, payments, credit card repayments, and financial management on Alipay should also be used more.

At the same time, Xiaoyou also advises everyone to maintain a good credit record in daily life and repay the loan on time. If you have good credit, it will not be so difficult to get a loan, borrow money, and apply for a card.

Finally, if you have urgent needs for money, it is recommended that you choose a big brand for loans, with transparent interest rates and to ensure your information security, "Rich Money" is the original financial credit service brand (formerly known as: Rich Flower, renamed "Rich Flower" in June 2018), positioned to provide personal consumer credit services for the public and create an innovative consumer credit model. Relying on the advantages of technology and scenarios, "Rich Money" uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services, with simple application materials, the fastest 30 seconds for approval, and the fastest 3 minutes for loan 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, and the maximum amount you can borrow is 200,000.

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1. Repayment consumption

Although Ant Borrowing supports early repayment, it does not mean that you can repay in advance frequently, after all, it makes Alipay make less money, and you may think that you are not short of money, and take back the amount to those who need it more. In addition, ** behavior will also affect the borrowing of the loan, such as frequent cancellation of orders, frequent returns and exchanges, etc., these are dishonest behaviors, which will reduce the sesame points, thereby affecting the borrowing.

2. Frequent cash-out and score brushing

You must know that Huabei is forbidden to cash out, which is a violation, so Huabei cashing out, brushing sesame points, brushing membership points, and brushing naughty value, once detected by the system, then the consequences are quite serious, not only will the ant borrowing be closed, but also personal credit will be seriously affected.

3. Social circle

There used to be a borrowing quota, but I didn't use it for a while, and I found that the borrowing had been closed and had not been opened again. Due to the CBRC's rectification of the market, Ant Borrowing has been tightening the quota since the beginning of this year, and the quota is very precious for everyone, since you don't use it, then it will be withdrawn to others.

To sum up, there are many reasons why ants borrow bei are closed, everyone usually pays attention to the impact of some of their own operations, and also looks for the law of opening borrowing, after all, it is very troublesome to not borrow when you need money urgently.

"The large-scale closure of Ant Borrowing in 2022 is mainly due to excessive leverage and violation of relevant regulatory regulations of the central bank, and actively closed some users to control the loan balance. Therefore, many users have taken the initiative to close their accounts by the borrowed officials, which has nothing to do with the user's own use. Common reasons why ant borrowing is closed 1. There is a quota that has never been used In this case, if you have the quota of ant borrowing, but have not used it for a long time, then the system will determine that you have no need to borrow, so as to close your borrowing quota and open the quota to those who need it more.

2. Have a record of overdue repayment As a credit loan product, Ant Borrowing accounts for a very heavy proportion of personal credit.

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There is an impact on the reuse of borrowed money to repay. Although the borrowed money generally does not check the use of the loan funds, if the user borrows the loan funds into a savings card, or transfers them to another account, and then uses them to repay the loan, Alipay may not know, but it is better not to do so. Since loan funds generally cannot be used to repay debts, if discovered, it is likely to lead to the recovery of the loan and a demand for repayment of the arrears as soon as possible, or it may lead to the freezing of the account.

In addition, the borrowed money pays off the money previously borrowed from the New Year's Bureau, and the borrowed money still needs to be repaid. If it cannot be repaid in time, it will lead to overdue and affect personal credit.

It can be seen that repaying the loan with a loan does not actually solve the problem, and the repayment pressure is still there. It is advisable for the client to honestly use their own money to repay the loan. The borrowed money is used for daily consumption, such as car purchases, renovations, home appliances, travel, etc.

Whether the borrowing is closed depends on the comprehensive evaluation results of the system. However, borrowing can be borrowed multiple times within the amount, and the monitoring of the use of funds is not very strict. Basically, it doesn't provide proof of consumption.

Therefore, the borrowing can be used to repay the borrowing as long as it is not overdue.

But for borrowers, borrowing is a kind of loan-backed loan behavior, once the borrowing cannot borrow, it will increase the risk of overdue, which is not very desirable. To the bank card, the funds are controlled by themselves, and theoretically they can borrow money without affecting their creditworthiness. However, it should be noted that the interest generated by this process can never be made up, and the arrears gap generated by the interest will continue to increase, and it is not recommended for borrowers to try it.

Borrowing supports 50 loans at the same time, so the system will not detect the borrowing. However, due to the overlap in loan time, users need to pay more interest on the loan. Once the loan is not provided, the user will have the risk of overdue.

So, don't use the loan to repay the loan. Users need to apply for a loan within their ability to repay and make sure that they can repay on time. Users can use the borrowed money to repay the loan.

The user applied for a loan.

On the repayment date, I applied for another Huichai loan. The funds from the second loan can be used to repay the first loan, but over a long period of time, the principal and interest will increase. In addition, once the system finds that the user is illegally using the loan funds, the loan may require the user to repay all the outstanding amounts in one go.

For users, if they apply for a loan, if they cannot repay it, they can choose to repay part of the principal first, and then the remaining principal will generate less interest, which is conducive to the user's repayment on time.

There are many netizens' ants who have been closed for borrowing and using them, some because of improper use, and some because they repaid all at once and didn't earn a handling fee for Alipay, what kind of strange reason is it? So, what is the reason why the ants are suddenly turned off when they are borrowed?

1. Because you don't borrow money after opening, Ma Yun will feel that it is a waste and will close your borrowing.

2. If you have nothing to do, change your mobile phone number, bank card or credit card, so that Ma Yun will feel that you are unstable and will close it.

3. People who often repay in advance, if you repay in advance and don't make money for Ma Yun Alipay, it doesn't matter who you are.

1. Basic conditions for opening borrowing1. If you are a new user, you must complete real-name authentication.

2. There is no abnormality in the account, to improve the security level, face recognition must be carried out, and the front and back of the personal ID card must be uploaded 3. The sesame credit score must meet more than 600 points.

4. Must be bound to a personal commonly used mobile phone number, and use it normally for at least 6 monthsSecond, borrow the opening strategy