Why was my ant borrowing turned off

If you don't use it, it will be turned off.

How to close, overdue or.

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.

You go and ask your Alipay customer service about this. It may be that it is overdue and has not been repaid. Alipay opened one of my customer service to ask.

Ant Borrowing is Alipay's personal consumption product, after passing the application, a certain amount will be approved according to your sesame credit comprehensive situation, on this basis, borrow and repay at any time, the interest is settled on a daily basis, and the installment repayment is generally more cost-effective than a credit card, because it is repaid according to the equal principal. So what are the reasons why some users reported that they were suddenly unusable, temporarily unusable, and had been opened and closed?

In general, borrowing is still in the test operation stage, and the assessment indicators are still improving, and with the continuous formalization of Sesame Credit and comprehensive credit system, the group will be more extensive. If there are some violations in your behavior, then the borrowing channel will be closed, and it will be opened again when the reputation is restored.

Opening qualifications: 1. There is a set of internal standards for borrowing, and the specific official customer service has not explained, but it can also be understood, if all of them are explained, it may cause some people to take advantage of loopholes, brush quotas, etc., according to insiders, it is through n kinds of judgment strategies to judge whether you meet the conditions for opening and using borrowing, when some of the conditions are not met or when your account is risky, there is no way to use it.

2. It is possible to obtain the opening authority through continuous credit accumulation, of course, the process is relatively long.

In general, users with a sesame score of not less than 600 will have the opportunity to use it, shop more online, buy more wealth management products, use Alipay services, pay with the balance of late payment, and use Alipay to repay credit cards if they have credit cards.

So what are the situations when it suddenly becomes unusable?

1. Alipay is updating, maintaining, upgrading, etc., after all, it is still in the internal testing stage, and there will be some problems, so you can pay attention to the official announcement.

2. Frequent withdrawals, TX. The borrowing does not clearly indicate that TX is not allowed, but if you withdraw to the bank card every time you make a loan, it will be detected by the system and it is easy to be temporarily closed for use.

3. Integrity issues. In the final analysis, this product is a credit loan, so credit is very important, you need to maintain a good personal credit record before opening, and you can't have a bad reputation after opening, if there is a problem with credit card repayment, trading, financial management, etc., then it may be closed!

4. Recurring early repayment. Although borrowing can be repaid in advance, if you often borrow for a few days and repay it immediately, then borrowing may think that your need for this product is not very large, so it is easy to be blocked.

Reminder, borrowing is opened and closed very frequently, so users should not worry about this situation, first check what the reason is closed, improve the sesame points, maintain a good reputation, and then it will be opened one after another.

1. Overdue repayment: If you do not repay the loan within the specified time, Alipay will think that the loan will give you a great risk of negotiation, so it may automatically close your loan.

2. Frequent early repayment: Not only will it be closed if it is overdue, but it will also cause the ant loan to close in advance. So it's better to repay the loan on time according to the stipulated time.

Moreover, early repayment will also affect the credit limit, even if the borrowing is not closed by Alipay, the amount of borrowing you pay will generally decrease.

3. Frequent modification of personal information: Although Alipay allows you to modify personal information, if you modify it too frequently, Alipay will think that you are at risk and will close your ant borrowing.

The large-scale closure of Ant Borrowing in 2022 was mainly due to excessive leverage and violation of relevant regulatory regulations of the central bank, and took the initiative to close 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 amount 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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