Will there be no limit for early repayment in 2021? All of these reasons may lead to the disappearan

Among the many small loan products on the market, Alipay loans have always been well received by many users. Among Alipay's many loan products, Huabei and Borrowing are the two small loan products with the most users. Will there be no limit for early repayment in 2021?

All of these reasons may lead to the disappearance of the borrowing limit!

Will there be no limit for early repayment in 2021?

In fact, early repayment of borrowing does not cause the user's borrowing limit to disappear. However, if the early repayment occurs more frequently, it will indeed affect the user's borrowing credit line, which may lead to the user's borrowing being reduced.

After all, borrowing is a loan platform that mainly relies on the interest rate of the loan to make a profit. If the borrower repays the loan early, it is tantamount to default. If the borrower only defaults occasionally, it is fine, but if it is frequent and multiple defaults, the borrowing system will think that the borrower does not need such a large amount of credit, and on the other hand, it will reduce the borrower's creditworthiness.

In addition to early repayment, if the borrower has the following behaviors, it will also affect the borrowing amount.

1. Huabei is overdue

The risk control system of Huabei and Borrowbei is very similar, and it affects the whole body. If the borrower's Huabei has bad behaviors such as overdue, then the borrowing system will also react to this, and the most direct response is to reduce the amount. If the borrower's Huabei is more overdue, then the borrower's loan may be closed.

2. Negative records

In addition to Huabei and Borrow, if the borrower has untrustworthy behavior when using other functions of Alipay, it will also affect the amount of borrowing. For example, renting a power bank, borrowing an umbrella, renting a house, etc.

Early repayment will not affect the amount of prepayment, it itself supports early repayment, and the interest will be calculated according to the actual number of days used (whether to charge early repayment fees is subject to the display on the page).

You must know that early repayment is also a repayment on time within the specified repayment period, which will not affect the credit, and the limit will not be reduced for no reason.

Therefore, the situation of reducing the amount of early repayment by borrowing is basically non-existent.

Although the borrowing amount is reduced after some early repayment, it is mostly caused by other factors.

For example, there has been overdue repayment before, and the credit damage has not been repaired; Or there are often risky operations such as changing devices to log in, modifying account information, etc., resulting in a lot of account risks, so they are subject to system risk control and so on.

As long as you pay attention to repayment on time and accumulate good credit, the system may also increase the amount of borrowing.

Of course, it should also be noted that if you pay off the loan in advance soon after borrowing each time, it may make the system think that there is no need to use the quota, which is indeed not conducive to subsequent increases.

If you are not clear about your online loan application, you can try to get a big data report on "Beijian Quick Check", check your detailed loan records, and then confirm that it is your own loan, at this time, you should pay off all the money you owe and then contact the customer service of the corresponding platform to let them deal with it and see if the online loan blacklist can be eliminated.

Extended information: Will Huabei visit more than 200 days overdue?

Huabei is overdue for more than 200 days, if there is a lot of overdue arrears, or the user is suspected of maliciously evading debts, then Huabei may come to collect it.

If the user's overdue amount is small, then Huabei will not come to collect it.

The cost of door-to-door collection is high, and if the funds recovered are lower than the cost of collection, then it is not cost-effective for Huabei.

Therefore, Huabei is overdue for more than 200 days, as long as the overdue situation is not particularly serious, Huabei will basically choose the collection method based on SMS collection and ** collection.

Although Huabei will not come to collect it, but if the user refuses to repay, Huabei may call the user's relatives and friends to collect it.

In order to reduce the negative impact of overdue, users must repay the loan as soon as possible after the overdue.

Huabei has fully connected with the credit information, and there will be overdue records uploaded to the credit information after the deadline, and the earlier the repayment is more conducive to the recovery of credit information.

Otherwise, it is overdue for more than 200 days, and the overdue interest alone is a large expense.

If the borrowing only has the repayment function, it means that it has been closed by the system.

There are two direct reasons: 1. For example, if the user is a student, and in response to the regulatory requirements that lending institutions are not allowed to issue loans to college students, the borrower who opened the loan as a student will be closed. 2. The user's identity has changed, for example, he was a consumer before, and he opened a store on ** later, then the system will provide the corresponding credit loan according to the actual situation, and the previously opened loan will be upgraded to an online business loan because the identity has become an operator, but there can only be one kind of online business loan and borrowing, and the repayment entrance is left when the online loan is opened.

Credit Loan is a loan service launched by Ant Financial Services Group with the help of Alipay, and users can apply for different loan amounts according to different sesame scores. 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. When borrowing, users can choose to lend money to Alipay accounts and bound savings bank cards for personal consumption, decoration, travel, etc.

If there is no limit for early repayment, it is actually the system that automatically closes the loan, and if there is no limit for the loan after early repayment, it is actually the fact that the ant loan is automatically closed by the system. You can only wait for the system to judge the re-opening, and you cannot apply for activation independently.

If the amount is reduced after the early repayment of the loan, it is likely due to the following reasons:

1: The recent repayment is overdue, resulting in personal credit damage and a decline in sesame points, and the system has reduced the amount because of the customer's credit problems.

2: The number of early repayments by customers is too frequent, and they are often repaid within a few days without lending, causing the system to think that the customer has no borrowing needs, so the amount is reduced.

3: The risk of the account has risen, and the customer has risky operations, such as frequently changing devices to log in, or always modifying the bound bank card and other account information, resulting in risk control by the system, so the borrowing limit will be reduced.

Extended information: 1: The amount of borrowing is comprehensively judged based on consumption and repayment, and the operation of early repayment will allow the system to re-evaluate the account.

Since the early repayment loan can only recover a small amount of interest, there will be a situation where the ant loan has no amount of early repayment.

2: How to recover if the early repayment of the loan is closed.

First, maintain good credit and account activity, use Huabei to repay on time, and use Alipay more for online and offline consumption.

Second, you can improve personal information, such as education, assets, social security, etc., to increase Sesame Credit Score.

Third, Alipay is fixed on a mobile phone, do not change the device at will, check whether the account status is normal, and cannot be in a state of risk or appeal.

If it is only closed due to early repayment, as long as you develop a good record of using Alipay, maintain your good credit and sesame points, and have no bad credit records, the system should soon re-open the borrowing channel for you.

Operating Environment: Mobile phone model: Huawei Mate40 mobile phone version Alipay.

1. The borrowing amount is comprehensively assessed according to the consumption and repayment situation, and every borrowing and repayment behavior will have an impact on the borrowing.

2. Huabei cashing out and brushing points, Huabei is not allowed to withdraw, if the system finds that the user Huabei cashes out, it may judge that the user has bad credit, and the risk of giving you the borrowing limit is too high, and it is normal to cancel the limit.

3. The sesame sub-platform is overdue. Not only Huabei and Borrow, Sesame Points are shared on many platforms, and if one of the small loan platforms is overdue, it will also affect other loans that use Sesame Points to evaluate the user's quota, so everyone must pay attention.

4. Do not use it if it is enabled. If you don't use it for a long time, the borrower will also think that you don't need to borrow, and of course the limit will be closed.

1. Maintain good credit and account activity, such as using Huabei to repay on time, using Alipay more for online and offline consumption, increasing interaction with friends, sending red envelopes and transferring, etc.

2. Complete personal information, such as education, assets, social security, etc., and increase Sesame Credit Score.

3. Alipay is fixed on a mobile phone, do not change the device, otherwise Alipay will think that your account has security risks.

4. Check whether the account status is normal and not in the state of risk or appeal.

5. If there is a record of overdue repayment, you can use Alipay to repay the credit card, and the compliance behavior is a reference factor that Alipay attaches great importance to.

6. If the repayment situation is good, and only the current early repayment limit is closed, then you can take the initiative to contact the official customer service staff of the borrowing to inquire about the reason why the borrowing limit is closed and try to restore the quota.

The reason why there is no limit for early repayment of borrowing.

It may be that Ant Financial has officially closed your qualification to use borrowing, which is a normal adjustment. The borrower will make a comprehensive assessment of the user's usage and credit, and then will choose whether to close the use of the borrower.

2. If you don't have overdue on the borrowing, butHave a bad record on other loan products on Alipay, which may also result in the closure of the borrowing.

It may be that your borrowing function has been transferred to the online business loan, you can open the last page of Alipay, and then click on the online business loan, you can see the amount you can borrow; In addition, the amount of online business loans is generally a little higher than that of borrowing.

There are irregularities on Alipay, such as swiping points, cashing out, etc., will be closed if the system detects it.

Frequent overdue and poor repayment, the system will think that your account is at risk and will close the debit.

Frequent changes to personal information.

If the borrowing limit is suddenly lost or reduced, if you want to recover, then you should use Alipay to spend more and maintain good credit; Don't use other Alipay products in violation of regulations, and participate in Alipay activities, such as receiving red envelopes, Ant Forest, Ant Manor, etc.

It may be that your recent economic transactions, consumer payments, etc., have affected your creditworthiness.

Why is my borrowing limit suddenly gone?

It may be that the borrower has stopped your credit because it detects that you are using your money irregularly or there are other risks.

Alipay's borrowing is evaluated by Ant Financial based on the user's credit, usage and other comprehensive conditions. 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 as you 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.

Don't see a well-kept credit? It must be that you didn't repay the loan on time before using Huabei, or the loan was not repaid on time.

Have you recovered, I also have such a problem.

Hello, I've had this happen to me too. Is yours unraveled? How long did it take to unravel? By what means? Thank you.

Is yours recovered, and so is mine.

Mine too, can you borrow now if you have a quota?

Is yours restored, and mine has the same quota But it doesn't work.

Hello, I'm also experiencing this situation now Pls is your recovery.

Find someone to mention it on your behalf, the risk is the same as mine.

Why was the borrowing limit suddenly reduced in 2021? 1. Early repaymentAfter all, Borrowing is a small loan platform, and the main profit** is to rely on the user's installment interest. If the user chooses to repay the loan early, no interest will be charged on the loan.

Then the profit that users can generate for borrowing will be much less, and the user's borrowing amount will naturally decrease.

2. Suspected of swiping pointsUsers who have opened a loan know that the first condition for applying for a loan is that the user's sesame credit score reaches more than 600 points. In order to open a loan as soon as possible, many users will take some "unconventional means" to forcibly improve the Sesame Credit score. If Alipay's system detects that the user is suspected of swiping points, it will also reduce the user's borrowing and Huabei limits.

3. Poor creditBorrowing has always cooperated with the credit information system of the central bank, if the user in the process of using the borrower, there are bad behaviors such as overdue, which affects the personal credit, and the amount of borrowing is bound to be reduced. Of course, if the user applies for another loan and there is bad behavior, it will also affect the credit line of the borrower.

4. Other circumstances