Why can t I use my borrowing before?

In the process of using the debit, the system will conduct a comprehensive evaluation from time to time according to the user's account situation and the use of the debit. Therefore, there may be cases where the previous evaluation cannot be used.

If your borrowing is no longer available, it is recommended that you pay attention to it in the future, as the system will evaluate whether it can be resumed from time to time, and manual intervention is not possible.

Under normal circumstances, the sudden lack of borrowing quota may be caused by the following reasons:

1. Rarely use borrowing; 2. Bad personal credit and overdue records; 3. Excessive personal debt; 4. There are Huabei set behaviors.

If you can't use the loan for the time being, then you can consider using Du Xiaoman Finance to spend money to borrow. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to 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.

It's been controlled by the risk, and it feels like you can't pay it back.

Alipay borrowing.

Suddenly unusable, it is likely to be caused by the following reasons:

1. Give Huabei.

Or when borrowing to repay, the loan failed to repay the loan on time within the specified repayment period, resulting in an overdue situation.

2. There are bad behaviors such as illegal cash-out and score brushing in the account; or the identity information of the account verification has expired; Or because of risky operations such as always changing devices to log in, frequently modifying account information, changing bank cards, changing mobile phone numbers, etc.

3. The background system is in the process of maintenance and upgrading, so the channel is temporarily closed, and after the system upgrade is completed, Huabei and borrowing will naturally be restored immediately, and then you can borrow and use it as usual, and the customer can wait patiently.

Extended Materials: Borrowing"Current name Credit Loan''It is a loan service launched by Alipay, according to sesame.

Depending on the number, the amount of loan that users can apply for varies from one person to another. 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 Alipay"Borrow"The name has been changed to"Line of Credit"。In response, Alipay's customer service responded 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"Line of Credit"and display the name of the financial institution on the credit page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrow"It is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. 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.

At present, the consumer loans launched by e-commerce giants.

It is mainly for the installment in the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao.

Uncle; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

At present, Alipay's borrowing can not be used suddenly for the following reasons:

1. If the credit limit is insufficient, the borrowing needs to be evaluated, and if the evaluation result is not satisfactory, the use of the borrowing function will be restricted. If you need to increase your limit, you can take the initiative to apply for an increase and maintain a good credit history.

2. If the user fails to repay the loan in time, the borrower needs to repay according to the repayment plan, and if the user fails to repay the loan within the specified time, the use of the borrowing function will be restricted.

3. If there is risk warning information, Alipay will conduct a comprehensive risk assessment for users, and if users have bad credit records, such as being sued by the court, executors, dishonest executors, etc., they will also restrict the use of the borrowing function.

It is recommended that users learn about their account situation through the message notification of the Alipay client, the borrowing applet, etc., and take measures such as timely repayment and credit limit increase, so as to resume the use of the borrowing function as soon as possible.

In addition, if you want to query the online loan data report, you can search: Kingfisher data, you can view the number of user applications, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data, and the query data is very accurate, which can be used as a reference and reference for decision-making.

<> borrowing has resumed, it means that there is a loan limit on the borrowing page, as long as there is a borrowing limit, you can borrow again. However, there is no quota on the borrowing page of borrowing, which means that the user cannot apply for borrowing at present. Whether there is a quota on the borrowing page of borrowing is subject to the review result of the system, and manual application for borrowing and activating the borrowing quota is not supported.

During the use of the borrower, if there is a late repayment, it may lead to the inability to use the borrower Sen Laobei in the future, please be sure to repay the arrears of each loan on time.