Why is there no quota for borrowing suddenly, and what is going on when there is suddenly no quota f

The sudden lack of borrowing amount is generally caused by the following six situations:

1.It could be Ant Financial.

The official has temporarily closed the qualification for you to use the loan, 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 do not have an overdue loan, but you have a bad record on other loan products on Alipay, it may also lead to the closure of the loan.

3.It may be that your borrowing function has been transferred to the online merchant loan, you can open the last page of Alipay, and then click on the online merchant 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.

4.If there are violations on Alipay, such as swiping points, cashing out, etc., the system will close the loan if it is detected.

5.If you are frequently overdue and your repayment is poor, the system will consider your account to be at risk and close the debit.

6.Frequent changes to personal information.

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After that, do not use it for a long time. Due to"Ants borrow"The quota is for users to use, and if you apply for the quota and have not used its borrowing for a long time, then Alipay will determine that you have no need for a loan, rather than giving you a waste of credit, it is better to take it back to the user who really needs it, so, in this case, Alipay will automatically close yours"Ants borrow"。

2. Your credit has been lowered due to overdue borrowing. Late payments can sometimes occur"Ants borrow"When the user's loan is overdue, in order to ensure the safety of the loan, reducing the amount after paying off the loan is also a risk control.

In addition to the closure of the borrowing caused by the overdue Alipay, it will also make Sesame Credit.

reduce the risk of other things.

3. There is arbitrage behavior. If there is a cash-out, brushing and other behaviors, the system will calculate whether there is cash-out, brushing and other behaviors, and these behaviors will often be punished by a certain penalty when the system confirms them"Ants borrow"It's conceivable if it's gone.

4. Early repayment.

You read that right, the money you borrowed in the borrowing will also face the risk of being shut down if you repay it early, because Alipay is opened"Ants borrow"It is also to make money, in order to better integrate the funds to do some things, borrowing is to calculate interest on a daily basis, installment repayment currently provides 6 months, 12 months two options, and after borrowing, repay one day in advance, Alipay will charge one day less interest, early repayment does not need to calculate interest, so it is likely to be closed, the probability of early repayment being closed accounts for 70%, even if it is not closed, the amount of borrowing will decrease.

As a pure credit loan product, the examination of qualifications is strict, and if you want to obtain a credit line, then the comprehensive qualification must not be bad.

If you want to get the borrowing limit, you can start from the following aspects.

1. Maintain a good credit record.

2. Use Alipay more.

3. Buy wealth management on Alipay.

4. Complete real-name authentication.

5. Increase your income.

6. Bind a valid mobile phone number.

7. Bind a valid bank card.

8. Upload asset information on Alipay.

9. Increase sesame seeds.

10. Reduce its own debt ratio.

Of course, after successfully obtaining the quota, you need to use the borrowed amount in accordance with the regulations, and remember to repay the loan on time after use.

Although many online loans are not on credit now, each small loan platform has its own third-party big data credit platform, if there is an overdue or non-repayment situation in one, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on "Xiaoqi Xincha" to grasp your big data status in a timely manner, which is an online loan big data query system that provides accurate and complete data information for online loan applicants.

Extended Information: I'm sorry Huabei can't serve you for the time being, what's going on?

The Huabei page shows that I am sorry that Huabei is temporarily unable to serve you, indicating that the user does not meet the conditions for using Huabei, and the system does not provide Huabei services temporarily.

There is a default record in Sesame Credit, frequent risky transactions, illegal use of Huabei, etc., which will lead to the inability to use Huabei in the future.

Please continue to maintain a good credit history and Alipay account activity, and actively improve your comprehensive credit score, which is conducive to restoring the eligibility to use Huabei.

Whether Huabei can be used is determined by the results of systematic evaluation, and manual intervention cannot be carried out.

Of course, the system will regularly evaluate the user's Huabei account, and as long as the user passes the system's evaluation, then Huabei can be reused.

In addition, the overdue borrowing and reserve funds will also cause Huabei to be unusable, if the borrowing and reserve funds are in an overdue state, please pay off the overdue arrears first, and then check whether the Huabei page is back to normal.

There are usually several reasons why there is no limit for borrowing

1. The first reason is not to use it for a long time

Because Ant Borrowing is a small loan platform on Alipay, if you don't use it for a long time, then Alipay will think that you are a user who does not need to borrow, so it will turn you off, in order to prevent waste of resources.

2. The second reason is that the loan is overdue

If the loan is overdue, it should be repaid as soon as possible to avoid being included in the credit blacklist.

3. The third reason is to frequently change mobile phone numbers or bank cards

Frequently change your mobile phone number or bank card, Alipay will define the account as an account with risks, there is a risk of borrowing and repaying debts, and it will also force you to close the ant loan.

4. The fourth reason is that there are problems such as brushing points and cashing out

If there is a user who uses Alipay's Huabei to borrow the function to swipe Ant membership points, or illegally uses Huabei to cash out for profit, then Alipay will also force the closure of Ant Borrowing and other functions.

The amount of borrowing is suddenly gone, and there may be the following 4 reasons:

1. If you don't use it for a long time Since Ant Borrowing is a small loan platform specially launched by Alipay, if you don't use it for a long time, then Alipay will default to you as a user who does not need to borrow, so it will be silently closed for you to prevent waste of resources.

2. Overdue loan overdue loan is a big problem related to personal integrity, sometimes there are many aspects involved, if it is only the loan overdue, then we should seize the time to repay, and strive to repay the loan as soon as possible to avoid being included in the credit blacklist.

3. Frequently change your mobile phone number or bank card Frequently change your mobile phone number or bank card, Alipay will define the account as having a risk in the account, and there is a risk of borrowing and repaying debts, and it will also force you to close the ant loan.

4. Problems such as swiping points and cashing out If some users use Alipay's Huabei and borrowing functions to swipe ant membership points, or illegally use Huabei and borrowing to cash out for profit, then Alipay will also be forced to close the functions such as ant borrowing.

Extended information: 1. The borrowing in Alipay is one of the borrowing products that everyone likes very much, and many people have opened the borrowing and used the borrowing to get through the difficulties of shortage of funds one after another, and enjoy the fun of consumption in advance. However, in the process of using borrowing, some users have encountered such a problem:

There is obviously a window for borrowing, but there is no amount.

Second, if there is a window for ants to borrow, it means that there must be a quota. Although Ant Borrowing is opened on an invitation-only basis, many users can still enter the borrowing page on their Alipay. This only means that you are eligible to click to borrow to see the quota, but it does not necessarily mean that there will be a quota.

If you want to check your quota, you need to click "Agree to the agreement and apply for a quota, and the borrower will check your credit history, recent sesame credit score, Alipay usage, etc., and the user will be given the quota only after the background review is passed." The specific amount of borrowing amount is determined by the system after a comprehensive evaluation according to the user's situation, and manual intervention is not possible. _

3. Some users have encountered this situation: the borrowing amount is suddenly gone after early repayment. In fact, according to Alipay's official statement, early repayment is supported, and early repayment will not affect credit, nor will it affect the amount of borrowing.

In the process of using the debit, the system will conduct a comprehensive evaluation of the user's account situation and the use of the debit from time to time, and there may be a situation where the quota is suddenly gone. In this case, we can only wait for the next evaluation to see if we can open the loan again. System failure.

If you check the borrowing quota and find that the borrowing quota is suddenly out of place, you can check the quota again after exiting. Personal credit issues. In the process of using loan products, there are overdue, defaults and other behaviors, such as overdue Huabei, borrowing, or overdue loan products on other platforms.

Do not use borrowing for a long time. If you don't use it for a long time, the borrower will think that you don't need to borrow, which may lead to the closure of the quota.

Alipay borrowing does not have a quota, you can maintain a good credit history in daily life and do not overdue, and then use more Alipay business to show your economic strength, which can improve the score in the system evaluation and help open the quota.

It is worth noting that the borrowed quota can not be actively applied for opening, and if you want to get the quota, you can only pass the review of the system.

If you find that there is an overdue record, it will be difficult to successfully open the quota.

If the quota is successfully opened, the lender must maintain a good record of borrowing and repaying after applying, and do not overdue, once it is overdue, it will affect the personal credit investigation, and at the same time, it will be charged a large amount of penalty interest by the platform, and it will be more difficult to use the loan or apply for other loans in the future.

It is recommended that you can understand your current credit situation in "Baisan Data", get rid of bad loan application habits, and cover untrustworthy behaviors with new good payment records.

Extended Information: Why can't I borrow but only repay the loan?

If the borrowing cannot be used and can only be repaid, it means that the borrowing is in a state of "only in but not out", and the account should be frozen by the system for risk control.

The reason for this is mostly due to the following reasons.

1. After borrowing the money, Kuanchanghua failed to repay the loan on time within the agreed repayment period, and there was an overdue situation, which was reported to the central bank for credit investigation by the system and submitted to Sesame Credit, resulting in damage to personal credit and a cautious decline in Sesame credit (and if Huabei and Alipay reserve funds are overdue, it may also affect the borrowing from time to time).

2. I have applied for multiple loans on the borrowing, but many of them have not been paid off, and the unpaid loans exceed 50 (there are regulations on borrowing, and the loans used at the same time cannot exceed 50).

3. Due to bad behaviors such as frequently changing equipment logins, always changing mobile phone numbers, changing bank cards, modifying account information, or risky operations such as illegal cash-out and score swiping, the account risk has increased, and the system has implemented risk control.

4. The background system is being maintained and upgraded, so the borrowing channel is temporarily closed.

The amount of borrowing is suddenly gone, and there may be the following 4 reasons:

1. Do not use it for a long time;

2. The loan is overdue;

3. Frequently change mobile phone number or bank card;

4. Problems such as swiping points and cashing out.

Extended Information: 1"Borrow"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.

Second, 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 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;

Third, but there are still netizens complaining about Uncle Ma Yun; 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.

On January 9, 2018, according to Shanghai TV news, Alipay's small loan products"Ants borrow"Or due to excessive leverage and violation of relevant regulatory regulations of the central bank, some users were voluntarily closed to control the loan balance.