Why did the borrowing suddenly close, and what was the reason for the sudden closure of the borrowin

Borrow. The reason for the sudden closure: the user does not use the loan for a long time; The activity of the Alipay account is not high; Serious overdue behavior during the use of the borrower; Huabei, reserve gold.

Overdue; The user's Alipay account is at risk; The user's personal information has been modified. If the above reasons occur, it may lead to the sudden closure of the loan.

Since the borrowing qualification of the borrower is determined by the system evaluation, after the borrower is closed, it can only wait for the system to re-evaluate, and manual intervention cannot be carried out.

Extended information: "Current name credit loan" 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.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan".

In response, Alipay's customer service said 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.

"Borrow" 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.

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.

Precautions for opening a borrowing:

Clause. 1. The sesame credit score in Alipay.

It is the primary condition that affects the opening of the loan, as long as you have a sesame credit score of 600 points, you have the right to apply for the opening.

Clause. Second, the opening of borrowing is closely related to the user's activity in using Alipay. If you want to open a loan, Alipay's activity is also an important condition, and if the activity does not reach the level, it is also difficult to open a loan.

Clause. 3. The default of the user's use of Alipay is an important factor affecting the opening of the loan. We overdrew the amount of Huabei before, and there is no repayment after the deadline, then Alipay's credit score will decline, which will not only affect your Alipay withdrawal limit, but also seriously affect the opening of the loan.

Clause. Fourth, the user's ability to repay is the most important condition. The opening of the loan will also take into account the user's ability to repay. Alipay will judge whether we can open a loan based on personal information and personal occupation.

If the ant borrowing is shut down by the system (operating environment version:, it is likely to be caused by the following reasons:

1.The recent repayment has not been repaid on time within the specified repayment period, and there has been an overdue situation, resulting in personal credit damage, a decline in sesame points, and bad information recorded in the credit report (if Huabei, Alipay reserve or other credit products connected to the central bank's credit information are overdue, it may also indirectly affect the borrowing).

2.There are always risky operations such as illegal cash-out and score swiping, or frequent login of changing devices, frequently modifying account information, such as changing bank cards, changing verified mobile phone numbers and other bad behaviors, resulting in an increase in account risk, so the system implements risk control.

3.Since the opening of the loan, the loan has not been used much, and each loan is quickly paid off in advance, so that the system thinks that the customer has no need to use the quota, so it takes back the quota and provides it to the customer who needs it more.

4.The back-end system is undergoing maintenance and upgrading, so the system has temporarily closed the borrowing channel.

Extended Information:1Alipay (operating environment version:

If users frequently apply for a loan and then repay the loan, some users think that when they have sufficient funds, they will repay the loan as soon as possible. In fact, this operation has the opposite effect and may be shut down by the platform. For example, if a user applies for a 12-month loan on a loan, the user needs to repay the loan in a timely manner every month.

2.The borrower adopts the user invitation system, and the user can only apply for the loan if he is invited by the platform. At present, the loan threshold of the platform is a Sesame Credit score of 600 points or more, and only those who meet the loan requirements of the platform can obtain a loan.

If users have applied for a loan in Borrow, but have never used the platform to apply for a loan, the loan amount of these users will be reduced or even cancelled.

3.Although borrowers support early repayment by borrowers, frequent early repayment shows that these users are not short of money, and the platform will not provide loan services for these users.

4.When the user applies for a loan, he finds that the information he submitted is expired, and if his information expires, he needs to re-apply for the relevant information and re-authenticate.

5.If Alipay users are overdue in borrowing, the platform will charge penalty interest according to the number of days the user is overdue. It is recommended that users do not have overdue situations on the platform, which will affect their personal credit, and will also affect users to borrow money on other online loan platforms in the future.

In fact, the sudden closure of the borrowed song may not be due to a violation, but because.

First, do not use borrowing for a long time.

Borrowing is a loan service for users with financial needs, that is, if the economic situation is good, there is no need to borrow, so you must hand over the quota of possession to others If you have not used it for a long time after opening the loan, the system will default to your financial situation and do not need to use it, of course, it will be closed. Generally speaking, it will be closed if the user does not use the system for more than 3 months, and it may be closed if the frequency of use is low, so please be careful.

Second, often repay early.

Many people may think that early repayment is not a sign of honesty? Why is it also possible to close the loan for early repayment? So, first of all, what to borrow to make a profit?

Isn't this a free loan from public welfare software to users, one of the biggest benefits** is the handling fee for users to repay after expiration, and users often can't make money if they repay in advance? Moreover, if you repay it early, it is easy for the system to mistake it into believing that your financial situation has been eased, and you don't need to borrow help from nothing, and of course it will be shut down.

Third, dishonesty.

Dishonesty here does not mean that the user oversells the burn-in repayment, but that there are often other aspects of dishonesty. The borrowing is related to our application system and the Sesame Credit section, and any issues will affect the use of the feature, such as credit card repayment, transactions, asset management, etc., and the borrowing may be closed. However, many people now have doubts.

Can a closed loan be re-opened, of course, but I believe the difficulty will increase dramatically.

Hello, your borrowing was suddenly closed, and there must be a reason for this. You need to check whether you have a record of malicious use in time, I said that this malicious use mainly refers to whether it is borrowed frequently only in use, and it is frequently repaid, every platform is very annoying to brush the quota, borrowing is no exception, if you want to increase the limit, you can use it often, but not frequently, this Biyou needs to grasp the degree.

The amount of cheats advertising millions is too far away, but he can raise the amount by 50%.

For example, if you borrow 10,000 yuan and repay it in 12 installments, the daily interest received by Alipay is 10,000*, but you can borrow it for two days and pay it back, which causes Alipay to only get 10 yuan of interest from your hand. Alipay makes less money, so it will naturally take back your limit and let the money be distributed to those who can repay normally, of course, there are other reasons.