Why don t you do it if you don t recover after 5 months?

According to the official understanding, the borrower will conduct a comprehensive evaluation of the account and the use of the borrower from time to time in the process of use to determine whether the user can continue to use the borrower, so it is likely that it can be used before but cannot be used after the subsequent evaluation.

However, as long as you maintain good consumption records and repayment records in the future, and use Alipay more for consumption, credit card repayment, etc., it is possible to recover the borrowing limit after the system evaluates. However, after the user's borrowing quota is not available, the user's comprehensive credit score has been decreasing, and no good credit history has been accumulated during the period, so the quota will not be restored for a long time after the borrowing.

How to recover if the borrowing limit is gone?

1. Use Alipay to consume. Whether it is paying utility bills, shopping in shopping malls, online shopping, etc., you can use Alipay to make payments and show your spending power. After all, the stronger the personal consumption power, the stronger the economic strength, and a good economic strength is helpful for opening a loan.

2. Complete personal information. The recovery time after the borrower is closed is not fixed, and it depends on the approval result of the system. Therefore, first of all, you can improve your personal information, because complete personal information helps to improve your Sesame Credit Score, and one of the necessary conditions for opening a loan is that your Sesame Credit score is above 600, so the higher the Sesame Credit Score, the more beneficial it will be to open the loan again.

3. Deposit part of the funds into Yue Bao. As a credit loan product, only users with the ability to repay can have the opportunity to open a loan. Therefore, you can deposit a part of the funds in Yue Bao, so that the system can detect the user's financial status, so as to restore the loan amount in order to retain customers.

4. Maintain personal credit. The credit requirements for borrowers are still relatively high, so if you want to restore the amount of borrowing, then you must maintain your personal credit. Not only do you need to maintain good behavior and repay the loan on time and in full when using Alipay's products, but you also need to maintain your personal credit when using products from other financial institutions.

However, how long does it take to recover after the borrowing is closed, it still needs to be subject to the evaluation results of the borrowing system, and the current evaluation time of the borrowing system is irregular, so there is no specific time for how long the borrowing function can be restored.

This is a normal assessment update presentation. The system will evaluate from time to time, and if there is a new borrowing limit, it will also be displayed on the borrowing quota page in time.

Ant borrowing is a repayment method that takes borrowing and repaying, and the interest is calculated on a daily basis. Early repayment may be identified by Ant Borrowing as a lack of borrowing demand. Therefore, after repayment, there may be a decrease in the limit, or even the limit is closed.

Ant Borrowing will re-evaluate the user's credit and borrowing needs every once in a while, and if the credit drops or the borrowing demand is not large, the credit limit will not be restored or even closed, otherwise, the credit limit will be increased.

Extended Information: How to borrow and raise the amount.

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. Here's the actual experience of raising the quota:

1. Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and it can basically be withdrawn after 10 days, generally on the 1-10th limit;

1. Early repayment.

Ant borrowing is a repayment method that takes borrowing and repaying, and the interest is calculated on a daily basis. Early repayment may be identified by Ant Borrowing as a lack of borrowing demand. Therefore, after repayment, there may be a decrease in the limit, or even the limit is closed.

2. There has been overdue repayment.

When the borrower has overdue repayment, in order to ensure the safety of the loan and reduce the risk, it is very likely that Ant Borrowing will not restore the user's loan amount, and Sesame Credit will also decline.

1. The quota will be restored immediately after the payment is repaid, and it can be reused.

2. If the borrowing is turned off by the system, you can only use Alipay and other systems to evaluate, and you can open it if you are qualified.

1. If the application fails to pass the review, the re-evaluation needs to wait for 180 days, and the applicant will take the initiative to initiate another application. The more detailed the personal qualification materials, the greater the possibility of approval.

2. After opening the borrowing, the system will conduct an evaluation and review from time to time, and then adjust the amount and interest rate of the user's borrowing according to the comprehensive evaluation results. The evaluation of the borrowing system mainly looks at the recent borrowing situation of the user's borrowing account, and will evaluate the user's borrowing needs, account activity, repayment ability, and debt through borrowing and repayment records, and will also review the user's credit status to see if there is any problem with the user's latest credit.

3. If it is found that the user's recent repayment has an overdue record and personal credit is damaged, the score obtained by the system after comprehensive evaluation will naturally not be high, and the system is likely to reduce the amount of borrowing, and if the circumstances are serious, the borrowing amount may be directly frozen, resulting in the user being unable to continue borrowing from borrowing in the future. Of course, if the user has accumulated a good borrowing and repayment record, and the comprehensive score of the system increases, it is also likely to increase the user's borrowing amount, and the interest rate may also decrease. Therefore, after borrowing money from Borrow, customers must pay attention to repayment on time to avoid overdue.

Operating environment: mobile Alipay.

Extended Materials. Miscellaneous questions.

1. After the borrowing is opened, the system will conduct an evaluation and review from time to time, and then adjust the amount and interest rate of the user's borrowing accordingly according to the comprehensive evaluation results. The evaluation of the borrowing system mainly looks at the recent borrowing situation of the user's borrowing account, and will evaluate the user's borrowing needs, account activity, repayment ability, and debt through borrowing and repayment records, and will also review the user's credit status to see if there is any problem with the user's latest credit.

2. If it is found that the user's recent repayment is overdue and personal credit is damaged, the score obtained by the system after comprehensive evaluation will naturally not be high, and the system is likely to reduce the amount of borrowing, and if the circumstances are serious, the borrowing amount may be directly frozen, resulting in the user being unable to continue borrowing from borrowing in the future. Of course, if the user has accumulated a good borrowing and repayment record, and the comprehensive score of the system increases, it is also likely to increase the user's borrowing amount, and the interest rate may also decrease. Therefore, after borrowing money from Borrow, customers must pay attention to repayment on time to avoid overdue.

Alipay borrowing.

It is recommended that customers first go to the account security test to see if there is any problem with the bound mobile phone number, it may be that the authenticated identity information has expired, and the customer can try to reset the password and complete the account information. After the system confirms that the account is secure, the customer should be able to try to apply again immediately after that, and the loan will not be interrupted again.

If the repayment of the credit products under the name has been overdue recently, resulting in personal credit damage and account risk rising, it is estimated that it will be difficult to return to normal in a short period of time, and customers can only take good care of credit first (you can participate in some credit tasks and ensure timely performance, so as to enrich personal compliance behavior and improve sesame credit score, it is recommended to wait for 3 to 6 months, personal credit has improved, and then try to apply.)

Of course, it is best for customers to maintain good personal credit, develop a good habit of repaying on time, and try to avoid overdue situations, so as not to restrict the subsequent borrowing function.

"Borrow" is a loan service launched by Alipay, and the current application threshold is sesame points.

above 600. 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.

It won't be long. In the use of borrowing.

In the process, the system will conduct a comprehensive evaluation from time to time according to the user's account situation and borrowing usage. 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.

Extended Information: January 9, May be involved in excessive leverage and violations 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 responded that in order to make it easier for 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.

In April of that year, when Liang Yiming's credit card limit was reduced by 80,000, he was borrowing, micro loans, paipai loans, and Ping An Puhui.

and other big platforms borrowed 60,000 tops.

However, after giving his wife and children living expenses and mortgages, the remaining money every month is not enough to repay these loans. And when he also took out a loan on one of the platforms and planned to take it out again to repay other loans, he got prompts that "the comprehensive score is insufficient and he can't borrow temporarily". "In the past, I can borrow several times with a paipai loan, and there is still more than 20,000 yuan in it.

I want to lend it out to pay off the debt. As a result, you can't borrow it. Said let me make up the information and borrow it in a month.

But a month later, the same result was the same. "Debt is looming. In the end, the only one that can be paid is the 714 anti-aircraft artillery platform.

Liang Yiming borrowed three at one time for this reason, and all of them were paid. After paying off the loan owed, he even had a surplus in his hand. At that moment, he felt that he could live a peaceful life for the time being.

However, those who fall into the 714 anti-aircraft artillery loan will not have a stable life.

On November 7, according to feedback from netizens, Alipay borrowing has been updated for it"Line of Credit"After the update, borrowing, auditing, and repayment will remain unchanged. The official said that the credit loan is a consumer credit service provided by a financial institution that cooperates with Ant to provide users independently, and the consumer credit service provider will be displayed, and the user's quota and interest rate are the result of the financial institution's independent approval, and the loan funds applied for by the user are also issued by the financial institution.

The risk of being deceived by borrowing should take at least two or three days, and the specific risk should be judged in combination with the reasons for the risk.

There are three reasons for this:

1.If you often repay in advance, the system will think that you do not have much demand for the loan, which will lead to the situation that you cannot borrow after repayment;

2.If the loan is overdue or overdue, or the Sesame credit score is lowered, the user will not be able to apply for the next loan.

3.Change your personal information frequently, because the borrower will evaluate the user's usage from time to time, and if you change the information randomly, the system will think that you are unstable and there is a risk in lending you money, so it will close the loan, so that you cannot borrow money.

It is reported that there is a risk of being deceived by borrowing, mostly because of the instability of the current transaction environment, such as changing the new device login, or modifying the mobile phone number, changing the address, tying a new bank card, and logging in in other places. Like this, it is best to use Alipay to pay more in 2 days, and use the bound credit card to swipe the flow to prove that it is indeed operated by yourself, and the system will lift the risk control. Borrowing money will no longer indicate the risk, but whether it can be lent out is subject to the results displayed on the page after the system re-evaluates.

If you are prompted that there is a risk of being deceived when borrowing, it is recommended that customers check whether they are operating the borrowed money in an unfamiliar network environment, or whether they have often changed devices to log in recently, or frequently modify the account information, resulting in security problems in the account, and the system is worried that the borrowing is not operated by themselves, so they will implement risk control.

In this regard, what the customer has to do is to contact Alipay customer service to explain the situation clearly, confirm his identity, and naturally borrow money smoothly after the account risk is reduced. And you need to pay attention to it, it is best not to rush to apply again in a short period of time, otherwise it is easy to be rejected again after frequent operations, or it is better to wait for the problem to be solved and then apply for a loan after a while (it is recommended to wait for three or five days before trying).

In addition, customers can also check their personal creditworthiness, if the credit is not good, it is estimated that it will also affect the approval of loans. In this regard, customers need to pay attention to maintaining good personal credit and accumulating good records.