I just pulled the credit report yesterday, and the borrowing amount is gone, what s the situation?

In the process of using borrowing, some users say that the quota is often insufficient, so how can Ant borrow quickly raise the amount?

1. Use borrowing frequently and maintain a good repayment record.

2. Complete Alipay's personal information. The borrowing system will evaluate the user's personal comprehensive situation from time to time, and when the evaluation results meet the criteria for raising the amount, the system will take the initiative to increase the amount for it, so Alipay users can supplement and improve their personal information, such as personal real estate information, vehicle information, provident fund information, etc.

3. Fully use Alipay. In addition to frequently using Alipay to pay, you can also use Alipay to pay for living, order takeout, buy movie tickets, etc.

For some users, borrowing supports active quota increase. If "Withdrawable" is displayed in the upper right corner of the quota on the borrowing page, users can take the initiative to apply for a borrowing amount. At present, the maximum amount of borrowing is 300,000 yuan.

If your borrowing quota is not enough, you can also consider other reliable big brands, such as Tencent Micro Loan and Du Xiaoman Finance. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

In daily life, our frequent credit checks will also be counted as a bad record. But as long as you don't have a borrowing behavior, the impact will not be big in the later stage, continue to maintain a good credit history first, and the amount of borrowing will be given to you in a few months.

Alipay user clicksBorrowThere will be no credit record when you check the quota. Only when borrowing money is borrowed will there be a credit record. If Alipay repays on time, it will leave a good credit record, which will help increase the borrowing limit.

In order to repay the loan on time, Alipay users will leave a negative credit record, which will not only affect the use of borrowing, but also affect the bank's loans and other things that require credit records.

"Current Name Credit Loan" 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 to borrow and repay at any time.

January 9, 2018, or for excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to facilitate 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.

The sudden lack of borrowing amount is generally caused by the following six situations:

1.It may be that Ant Financial has temporarily closed your qualification to use borrowing, which is a normal adjustment. The borrower will make a comprehensive assessment of the user's usage and credit, and then will choose whether to close the use of the borrower.

2.If you do not have an overdue loan, but you have a bad record on other loan products on Alipay, it may also lead to the closure of the loan.

3.It may be that your borrowing function has been transferred to the online merchant loan, you can open the last page of Alipay, and then click on the online merchant loan, you can see the amount you can borrow; In addition, the amount of online business loans is generally a little higher than that of borrowing.

4.There are violations on Alipay, such as swiping points, cashing out, etc., which will be closed if the system detects it.

5.If you are frequently overdue and your repayment is poor, the system will consider your account to be at risk and close the debit.

6.Frequent changes to personal information.

The amount of borrowing is suddenly gone, and there may be the following 4 reasons:

1. Do not use it for a long time.

Since Ant Borrowing is a small loan platform specially launched by Alipay, if you don't use it for a long time, then Alipay will default to you as a user who does not need to borrow, so it will be silently closed for you to prevent waste of resources.

2. The loan is overdue.

If it is only the loan that is overdue, then we should seize the time to repay the loan, and strive to repay the loan as soon as possible to avoid being included in the credit blacklist.

3. Change your mobile phone number or bank card frequently.

Frequently change your mobile phone number or bank card, Alipay will define the account as an account with risks, there is a risk of borrowing and repaying debts, and it will also force you to close the ant loan.

4. Problems such as swiping points and cashing out.

If some users use Alipay's Huabei and borrowing functions to swipe Ant membership points, or illegally use Renqing Yinhuabei to cash out for profit, then Alipay will also force the closure of Ant Borrowing and other functions.

The possible reasons for not being on the credit report are as follows:

1. Looking at the time of use, before December 2017, the borrowing has not been connected with the central bank's credit system;

2. Look at the funder, if it is the bank funder, then the loan record will be reported to the credit report, and vice versa;

3. The information has not been updated, for example, Ant Financial has not updated the submitted information, so it cannot be seen.

Regardless of whether the credit is reported or not, users still have to pay attention to returning it on time, otherwise it will affect the big data of Sesame and it will be very troublesome.