If the loan is closed and re opened, what is the change in the quota?

After the ant borrowing is closed, whether it can be opened again is comprehensively evaluated by the system.

There are two types of shutdowns: those who do not want to use active shutdown and those who are shut down by the system due to overdue reasons.

1. If you do not want to continue to use the borrowing service and want to close it independently, it is recommended that you operate with caution, because once the borrowing service is closed independently, if you want to open it again, the system needs to conduct a comprehensive evaluation again, and there is no guarantee that it will be successfully opened again.

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

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There will be no change, and the quota is the same as before it was opened, and the Huabei quota will be increased if you use it often.

After the loan is turned off, it is re-opened, and there are three changes in the quota. The first is the same quota as before the shutdown, the second is that the re-opening quota has been increased, and the third is that the re-activation quota has been reduced. Because of the re-opening, the system will run a comprehensive evaluation of the user again, and if the user's recent consumption records, repayment records, and performance records are good, then there is a high probability that the re-opening quota will be increased.

If the user has a previous overdue repayment record or a recent overdue repayment record in Huabei, etc., re-opening the loan may result in a decrease in the limit.

If the loan is closed and then opened, then the loan page will have a quota if it is successfully opened, and if it fails, the loan page will have no quota. If the user closes the borrowing and re-activates it, whether the activation can be successfully is subject to the display on the page. After all, the user's credit qualification conditions will change, and the fact that the borrower can be used before does not mean that the borrower can be used in the future.

Extended information: 1. Borrowing.

Credit Loan used to be known as Loan Bei is Ant Financial Services Group.

Relying on a random model 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. When borrowing, users can choose to lend money to Alipay accounts and bound savings bank cards for personal consumption, decoration, travel, etc.

In November 2021, the name of the loan has been changed to "credit loan.""and clearly indicate that the service is provided by the bank.

Second, the product introduction.

Credit loan is a loan service launched by Alipay, and the application threshold is a sesame score of more than 6oq. 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.

3. Development history.

On January 28, 2021, Ant borrowed.

The new function of quota management has been launched, and users can adjust the quota independently.

In November 2021, the name of Alipay Loan was changed to "Credit Loan", and it was clearly indicated that the bank would provide services. In the future, it will be provided by Ant Consumer Finance and become the exclusive brand of Ant Consumer Finance. Credit services provided independently by banks and other financial institutions will be displayed on the "Credit" page.

In the process of brand isolation, the service experience of users will not be affected, and the core processes such as activation, account review, interest calculation, and loan and repayment will not change.

4. Controversial events.

On January 9, 2018, according to Shanghai TV.

News, Alipay's small loan product Ant Borrow"or because of excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance.

<> many users will close and cancel the loan product when they are not satisfied with the amount or do not want to use it temporarily. Some users consulted, saying that the borrowing is closed and the reopening quota is gone, what's going on? So let's give you a brief explanation of this problem.

What's going on with the reopening of the quota after the borrowing is closed?

Because after the user closes, the platform will think that its capital demand is not high, and the cancellation of account credit will also leave a bad credit record on the platform. If there is a change in the user's credit during the re-application period, and the platform tightens the lending policy or quota, then it is naturally more difficult to re-apply.

Including the closure of the borrowing, it may also affect the normal use of Huabei and the reserve fund.

Therefore, if users close lending products on many platforms, the page will prompt "It may not be possible to open it after closing, or it will have an impact on other lending products".

It is recommended that users improve their overall situation, increase their contacts with the platform, improve their activity, and let the platform recognize. Then there is to improve their qualifications, especially in terms of assets or can deposit funds on the platform, purchase financial products, etc., maintain good personal credit and accumulate credit behavior, which can be conducive to comprehensive evaluation.

The above is about "what's going on with the reopening of the quota after the borrowing is closed", I hope I can find it helpful after reading it. In general, if the reopening quota is gone, it may be that the platform does not support it, or it may be that the user conditions have deteriorated, so it is recommended that users think carefully before closing, and they can ignore it for the time being, and they do not need to be turned off directly, otherwise there may be an impact in the future.

After the loan is closed, the quota can still be restored.

Reason for closing the loan:

1. After the borrower repays the loan in advance, the loan will be automatically closed. The interest and handling fees that can be earned by early repayment are very low, which will also lead to Alipay's unprofitable, although this also reduces Alipay's borrowing risk to a certain extent, but it will also make the platform feel that there is no shortage of money.

2. Another reason for being shut down is the problems of the Alipay platform itself, when the Alipay system is upgraded or the platform is maintained, the system will have a more chaotic period. If the frequency of borrowing is not so high and the amount used is small, it will also be considered by the system as a user who does not need funds, which may cause the borrowing to be closed.

Now the topic of Huabei and borrowing can be seen everywhere on the Internet. You know, in this money-hungry society, it's always harder to borrow money than to spend it! How convenient is it to have a conscience app that you can borrow and return?

Many netizens try their best to increase the amount, but some people can easily have a lot of money. There are also people who run out of places and suddenly disappear. Recently, a netizen posted: Just like a spring wind, it comes up at night, Huabei is halved, and the loan amount is directly gone, which makes me wonder.

What is the reason for this? According to this netizen, the situation with Alipay has been particularly good, with a loan amount of 300,000 yuan and Huabei 50,000 yuan. Self-perception is relatively high among Alipay users.

But the 300,000 yuan lent out urgently needed turnover, and the next day I found that the money lent out was closed directly, and Huabei was halved. After all, 300,000 is not a small number, and I don't know where the problem is. It doesn't have to be depressing!

In fact, Huabei and Borrowbei were suddenly downgraded or closed, which should have touched on these points:

First of all, today is an era of big data and big communication. Since 100-bank's data entered the credit information system, Alipay has a new definition of user qualifications. Except for the normal use of Alipay, no other data on the Internet can be at risk.

You must know that Alipay's Huabei and Borrower are small loan products after all, and of course they will also refer to the information of Internet lending data. If it is in Huabei, borrowing or other overdue defaults, it will be controlled by Alipay. If you use Sesame Credit to authorize too many small loans, any platform will think that you are short of money, and your personal risk is too great, so it will shut down the machine and borrow money to avoid this high risk.

Therefore, whether you spend money or borrow money, you must protect your reputation, use it actively, and avoid frequent early repayment and overdue behavior.

Secondly, some people take advantage of Huabei's interest-free period to cash out, which may lead to the end that users can no longer use Huabei. Therefore, if you encounter this kind of small advertisement, you should stay away and use Huabei reasonably within the scope of integrity, which is also what we advocate now.

Finally, log in to your own calling Alipay on an unfamiliar device. Once the account is found to be at risk, for the safety of your funds, Alipay will close Huabei and borrow it. Netizens have also expressed their opinions on this.

A: It's a shame that so many credits are gone. It's not for free, but it's easier to talk to someone in an emergency than to talk to someone else. It's really surprising to say no! It's the most reliable way to increase your revenue.

B: People with such a high amount usually use Alipay less, and the reputation should be good, otherwise it would not be so high. Having money is for sure, and it's not always used. Alipay thinks you're not short of money, so it's closed, right?

C: I have a friend who borrowed more than 100,000 yuan, which is similar to your situation. He borrowed it for a while and paid it back early.

He felt that it was someone else's money after all, so he was at ease. Who knew that it would close the door directly after paying it off, and there was no way to find someone to theorize. After all, the money is not his own.

Summary. Hello, it doesn't close for no reason. The closure is the result of the platform's comprehensive evaluation of you for the following reasons:

1: There is an overdue record. As long as you are a product associated with Sesame Credit, if you are overdue, the loan may be closed.

2: Do not use borrowing in daily life. If the borrower is not used, it means that the user has no need to borrow, which will lead to closure.

3: Borrow money to repay it. This behavior can only show that the user has no ability to repay, and Huabei's money needs to be repaid by borrowing money.

4: The debt is too high. If the bound Alipay credit card owes too much and the amount owed by other microfinance platforms is high, the platform will think that the user's debt ratio is too high.

If you borrow to increase the limit, will it be closed for no reason?

My borrowing amount has been raised, I have used it, and I will not borrow from other platforms again, will the limit be reduced or closed?

Hello, it doesn't close for no reason. The closure is the result of the platform's comprehensive evaluation of you, specifically for the following reasons:1:

There is a record of overdue. As long as you are a product associated with Sesame Credit, if you are overdue, the loan may be closed. 2：

I don't use borrowing in my daily life. If the borrower is not used, it means that the user has no need to borrow, which will lead to closure. 3：

Borrow money and repay it. This behavior can only show that the user has no ability to repay, and Huabei's money needs to be repaid by borrowing money. 4：

The debt is too high. If the bound Alipay credit card owes too much and the amount owed by other microfinance platforms is high, the platform will think that the user's debt ratio is too high.

Hello, you don't borrow money on other platforms, as long as you don't overdue during the period, you usually use more, it will not be closed. It won't be lowered.

After my Huabei was closed, I continued to borrow and raise the amount, which will not increase the debt, and Yue Bao has a deposit, so can I maintain the borrowing limit?

Borrowing is a financial product with strong data directivity that can be evaluated at any time. After you raise your limit, you need to use it often. If it is not used after the quota is raised, it may be closed or the quota may be reduced.

Hello, no, at this time, it is recommended that you do not borrow money on other platforms, or do not bind too many credit cards, and use it often.

However, do not swipe the quota frequently, it will be judged by the system to be maliciously swiped.