What is the reason why the borrower is temporarily unable to provide services?

If you have a bad credit history, whether it is a credit card or an online loan, try not to be overdue, and use Ant Loan.

During this period, there are overdue records, or credit cards and other loans are overdue, Alipay attaches great importance to personal credit, which is also an important reason why many people are closed. In this case, you can only re-accumulate credit, and after the bad credit record is automatically eliminated, there is still a chance to open it again.

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, it is aimed at personal credit loans in the non-consumption scenario.

It is also being rolled out 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.

There may be several reasons why the service cannot be provided temporarily:

1. Your personal credit score is insufficient: Borrowing is a product of Ant Huabei, which requires you to fill in some personal information and go through a personal credit assessment, if your credit score is insufficient, then Borrowing may not be able to provide you with services.

2. Your borrowing limit has reached the upper limit: Ant Huabei allows borrowing users to borrow up to 500,000 yuan, and if you have borrowed this limit, then borrowing will not be able to continue to provide services to you. At this point, you can increase your available limit after you make your payments, or you can apply for an adjustment of your credit limit.

3. There are security problems in your account: If your account is at risk, such as abnormal login location, suspicious changes in passwords, etc., then Alipay may temporarily lock your debit account to protect the safety of your funds.

In addition to these reasons, there may be other reasons why you may not be able to use the loan properly. It is recommended that you contact Alipay customer service in time to find out the cause and solve it in time. At the same time, you can also consider the products of other related financial institutions, such as JD Baitiao, Paipai Loan and other online loan platform products.

In addition, the network and big data have become an important factor affecting personal credit and loans, for their own credit situation, it is recommended that you use tools such as Xiaoqi Xincha to generate big data reports to understand your credit situation and possible problems, so as to better improve your credit score, thereby increasing the success rate of borrowing.

Above, I hope it will be helpful to you.

Summary. Hello, if you are temporarily unable to provide you with borrowing services, it means that you have not passed the review of the borrowing platform, such as borrowing too much in your name, or you have overdue records, in which case borrowing will cause you to be unable to pass your loan application. You can do this.

1.Close all the loans in your name and improve your credit. 2.

When the platform re-reviews it next month, as long as you pass the review, you can apply for a loan again.

Hello, if you are temporarily unable to provide you with loan services, it means that you have not passed the review of the borrowing platform, such as you have borrowed too much under your name, or you have overdue records, in which case the borrower will not be able to pass your loan application. You can do this macro. 1.

Close all the loans in your name and improve your credit. 2.When the platform re-reviews it next month, as long as you pass the review, you can apply for a loan again.

When the borrower uses borrowing or other loan software, there is overdue or other violations, resulting in fluctuations in personal credit reporting. After a comprehensive assessment by the official of the borrower, it was found that the borrower no longer met the loan application conditions of the borrower, and the borrower would no longer be able to use the borrower with Linglu.

When the user decides to apply for a loan in the borrower, he must maintain his good personal credit report, do not appear overdue, and at the same time ensure that his status is normal. Whether the specific loan can be successfully borrowed or not is subject to the displayed content. It is recommended that borrowers do not apply for loans repeatedly, and repeated applications for loans in a short period of time are not conducive to passing the review, and users can continue to maintain a good credit history and apply again after a period of time.

Hello, according to your description, the reason why Alipay Borrowing is temporarily unable to provide borrowing services is: Bound by relevant national regulations and financial regulatory requirements, Alipay Borrowing has suspended its borrowing business due to financial lending, and it is temporarily unable to handle new and renewed loan business. In addition, Alipay credit wallet products have been connected to the social security credit system, which is open to users who have opened borrowing, and will not affect your use for the time being.

However, please note that in order to avoid unnecessary financial risks, it is recommended that you prudently add and use new financial products, and regularly pay attention to the service changes of related products, and prepare for risk prevention in advance.

According to your problem, Alipay borrowing is temporarily unable to provide borrowing services, this is the group bank yours, after the evaluation of the Alipay system, it is impossible to use the borrowing.

This is only pushed by Alipay to certain customers, and it is not widely used.

If the borrower's borrowing prompts "unable to provide you with borrowing services", there are generally two situations.

One is that there is no available credit on the borrower's borrowing loan page, and the borrower needs to pay off the last bill before he can continue to apply for the loan. If there is no available loan line, the borrower will definitely not be able to apply for a loan. The second situation is that the borrower is overdue or other violations when using borrowing or other loan software, resulting in fluctuations in personal credit reporting.

After a comprehensive assessment by the borrower, it is found that the borrower no longer meets the loan application conditions, and the borrower will be reminded that the borrower can no longer use the loan.

According to your question, Alipay borrowing is temporarily unable to provide borrowing services, this is yours, after the evaluation of the Alipay system, it is impossible to use borrowing.

This is only pushed by Alipay to certain customers, and it is not widely used.

If the borrower's borrowing prompts "unable to provide you with borrowing services", there are generally two situations.

One is that there is no available credit on the borrower's borrowing loan page, and the borrower needs to pay off the last bill before he can continue to apply for the loan. If there is no available loan line, the borrower will definitely not be able to apply for a loan. The second situation is that the borrower is overdue or other violations when using borrowing or other loan software, which causes personal credit to fluctuate.

After a comprehensive assessment, it is found that the borrower no longer meets the loan application conditions of the borrower, and the borrower will be reminded that the borrower can no longer use the borrower.

Hello dear! The borrower is temporarily unable to provide you with loan services, and the specific recovery time is subject to the review results of the system. The system will review the user's debit account from time to time, and the user cannot actively apply for the system to conduct source review.

Therefore, users need to spend a certain amount of time waiting for the system to initiate a review, and after the review is passed, the borrowing will return to normal, and the borrowing page will also have the borrowing amount. If the user does not pass the system review, then he must wait for the next evaluation result of the system. In fact, maintaining a good credit history and Alipay account activity can effectively help users pass the system review.

Users actively improve their personal comprehensive credit scores, and do not add new default records, even if they do not pass the review, they can also lay a good foundation for the subsequent review. The borrower cannot use the human customer service and cannot intervene, and the user must refer to the display result of the page. After the borrowing is resumed, users must also pay attention to repaying on time when using the borrowing, once the borrowing is overdue, it will not be available in the future.

If you can't borrow money for the time being, it is likely to be caused by the following reasons:

1. The current number of borrowings has reached the upper limit

The number of borrowings that cannot be used at the same time shall not exceed 50.

Workaround:

After paying off the loan a few times, you can naturally apply for a new loan after the amount is restored.

2. The amount of repayment is frozen due to overdue repayment

1) When the loan before borrowing is repaid, it fails to repay on time within the specified time limit, and there is an overdue situation, which is reported by the system to Sesame Credit and the central bank for credit, resulting in a decline in sesame points and damage to personal credit, so the system freezes the quota and closes the account.

2) Alipay Huabei, Reserve Fund or other credit products related to Sesame Credit and access to the central bank's credit information are overdue, and the borrowing is indirectly affected due to the seriousness of the overdue.

Workaround:

Pay off the overdue debt, then take the time to build up your credit, accumulate a good record, and wait for the credit report to be repaired before trying to borrow.

3. The account is under risk control

Because of the frequent change of equipment login, frequent modification of account information, etc., the account risk increases, which leads to system risk control.

Workaround:

Wait patiently for the end of the system's risk control (which lasts for about one or two branches), and then pay attention to avoid such risky operations again.