How long does it take to turn it on

The re-opening of the loan after the closure needs to be evaluated by the system, and it generally takes a long time to accumulate good credit to get the opportunity to re-open. After the loan is closed after the deadline, the time when it can be reopened is uncertain. Because the latest assessment is important, whether it can be reactivated is also based on the results of the system evaluation.

The system will review the applicant's account usage and credit status, and then decide whether to re-open the loan according to the evaluation results.

"Borrowing": It 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.

At present, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenarios 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. For example: deposit Yue Bao or Zhao Cai Bao (fixed), deposit 15,000+ money, and basically withdraw it after 10 days, generally on the 1st-10th; Mobile phone ** MYbank app, and then deposit money to Yu Libao, 10,000 + deposit for a month can basically lend + MYbank consumer loan 10,000.

1. Whether the ant borrowing can be opened again after it is closed is comprehensively evaluated by the system.

2. There are two types of ant borrowing and closing: those who do not want to use active closure and those that are closed by the system due to overdue and other reasons.

1) If the system is closed due to overdue or other reasons, whether it can be opened again in the future will be re-evaluated by the system according to your account situation for a period of time.

2) If you don't want to use it and need to close it, it is recommended to operate with caution, because there is a possibility that it cannot be opened again after closing.

Steps to open it again by borrowing:

Turn on your mobile phone, click Enter Payment, click [My] on the Alipay homepage and enter.

After entering [My], find [Borrow] below and click to enter.

After entering, click [Agree to the agreement and re-open the loan], so that you need to complete the personal information, click [Go to improve].

Once you click to enter, you will need an ID card.

**, you can improve it according to the requirements, and after you complete, click [Confirm and Submit] below.

After clicking [Confirm and Submit], you will enter the [Submit Application] page again, and you can take a look at the [Personal Credit Report] at this time.

Check the power of attorney.

After clicking [Submit Application], Alipay's borrowing staff will review it, and the processing time is generally within 24 hours, so that you will receive a short message after the review is passed.

When the application for [borrowing] is successful, you must pay it off on time after borrowing it inside, and you also need to be careful not to repay it early.

Oh, otherwise the system will confirm that you have money, and you won't borrow money later. Of course, it can't be overdue, so as not to cause credit impact.

Extended information: 1. How to borrow and open again:

1. Complete personal information: In addition to personal information, binding an additional silver card will help you open it again.

2. Use Alipay more: You can use Alipay more to increase the usage rate by usually paying or placing orders.

3. Deposit the money into Yue Bao.

Deposit the excess money into Yue Bao, and it is best to withdraw it for a month to buy financial products.

It is to prove your ability to repay.

4. Other functions of Alipay: Alipay has many life service functions, such as paying water, electricity and gas fees.

2. Several reasons why I was locked up:

1. Sometimes there is a problem with the borrowing limit, which is also caused by the system, such as confusion during maintenance or upgrading, it is recommended to wait and then go to Alipay to refresh the borrowing limit;

2. In the case of swiping orders with borrowing, it will also reduce the amount of your borrowing and affect your reputation;

3. If the credit limit of the individual is not repaid within the time limit, it will be affected, and Alipay has the right to freeze the limit;

4. Borrowing can also be repaid beforehand, if you borrow for a few days, you must pay off the amount quickly, if you don't use it often, it will be easy to be stopped or reduced.

Operating environment: Huawei nova5 Alipay.

Depending on usage, there is no specific amount of time. As long as you use Alipay normally and maintain good personal credit, the system will be reopened soon.

If you don't use it for a long time after opening a loan, Alipay will determine that you don't have any need for a loan at all, and give you a quota, which is also a waste of resources. In this case, Alipay will automatically close your Ant Borrow.

As a consumer credit product, Ant Borrow will dynamically adjust the user's qualifications and quota based on the user's usage and credit behavior. As a result, some users were disqualified or their quotas were reduced; Or some users are allowed to be admitted or the limit is increased, which is normal.

It is also necessary to meet the basic conditions for the opening of the borrowing, so as to create conditions for the resumption of use of the borrowing.

1. Alipay accounts must be real-named, and it seems that Alipay accounts without real-name can not be used normally.

2. The age requirement is between 18-60 years old, and it is not allowed to be used if it is not in the range.

3. The status of the Alipay account is normal, and there is no freezing or appealing status.

4. You need to bind a mobile phone number, and now it is a real-name mobile phone number, preferably in your name, and you have used it for a long time.

If the above basic conditions are met, the system will comprehensively evaluate whether the borrowing can be opened, you can check the borrowing related situation in the Alipay client, [My] - [Ant Borrowing], and whether it can be opened is subject to the page display.

Re-open the borrowing.

The methods are: 1. Complete personal information: re-update the personal information on the borrower, and re-bind a silver card, and the chance of opening it again is very high.

2. Multi-branch, such as using Alipay: usually use Alipay to pay more to increase the usage rate.

3. Deposit your salary into Yue Bao.

Deposit your salary into Yue Bao to prove your ability to repay.

4. Pay with Alipay: Alipay has many life service functions, such as paying water, electricity, and gas bills.

Extended information: borrowing for Alipay users to provide a maximum of 300,000 yuan of borrowing amount, for Alipay users, it is not difficult to obtain the loan amount, in solving the current dilemma of shortage of funds, borrowing also requires borrowers to repay on time, overdue will produce the following consequences.

1. The function is restricted, and after the borrowing is overdue, not only can the borrowing not continue to be activated, but even the use of other credit product functions will be affected, such as Huabei.

If the user wants to restore the function of borrowing and closing, the best solution is to repay the loan immediately, and whether it can be restored in the future needs to wait for the system to evaluate again, and users who meet the conditions can continue to use the borrowing, and users who do not meet the conditions need to continue to wait.

2. Affect the borrowing amount, even if the borrowing is overdue even if the repayment is made, the borrowing amount may be reduced, or there will be no quota directly. Borrowing is more lenient for Alipay users, and the borrowing limit for old users is relatively high, and overdue is a red line for borrowing, and the overdue amount may be reduced or unusable.

3. If credit is affected, the overdue record of borrowing will be uploaded to Sesame Credit first.

Among them, it will also be uploaded to the Basic Financial Credit Information Database. In addition, in accordance with the relevant regulations of the People's Bank of China, the user's overdue records will be reported to the credit information system in a timely manner.

Middle. 4. Overdue interest, that is, penalty interest, although borrowing is a formal loan platform, but the borrowing interest is particularly high compared with the bank, and penalty interest will be charged on a daily basis after overdue, according to the normal loan interest rate.

to collect overdue interest.