What happens if there is no limit after borrowing and repaying

It may be due to the borrower's overdue repayment when using the borrower, so once the user completes the repayment, the credit will be withdrawn by the system. In this case, if you want to open a loan again, you need to improve your personal comprehensive score, use Alipay as much as possible, or buy some financial products.

When applying for a loan, you need to submit personal information, if the personal information has expired, it will cause the loan to be closed after repayment. You will need to re-submit your personal information to apply again.

It is also a normal assessment of Ant Borrowing that there is no quota after borrowing and repaying, and the quota is turned off means that the user's comprehensive score is insufficient.

With the increase in the number of Alipay users, there are more and more users who open borrowing. The borrowing limit has always been a concern for borrowers.

The borrowing limit is comprehensively assessed according to your account situation, the limit of different accounts may be different, and the limit of the same account will also change in real time, and the final credit limit shall prevail according to your credit limit. At present, the maximum amount of borrowing is 300,000 yuan.

If you have already met the conditions for borrowing, click on the [Ant Borrowing Version] - [My] - [My Limit] page on your Redmi Note8 mobile phone to check your quota.

This may be due to the credit impact caused by the number of times you have applied for a loan in a certain period of time. Every time you apply, your credit report in the People's Bank of China will be recorded once, and after the application is rejected by the platform, the credit report fluctuates once, and the application is successful, and it fluctuates half a time.

For example, if a normal person's credit is 100%, as long as he has applied for a loan once, whether he succeeds or not, he will drop 001%, and when he succeeds and pays off in full, he will increase by 002%.

However, there is another reason, overdue, early repayment, and too frequent application for a large number of loans in the short term, which will cause inusability, suspension of services, freezing, reduction of quotas, etc. The recovery is less than half a year, and more than five years, and this half a year or five years refers to the credit that will be restored to the original state after you are overdue and no longer violated, referred to as (white household).

If there is no amount of borrowing after repayment, it is likely to be caused by the following reasons:

1.When the customer repays, the customer does not repay the loan on time within the specified repayment period, and there is an overdue behavior. 2.Recently, frequent borrowing has led to long borrowing, and the system is worried about the instability of customers' economic life and insufficient repayment ability.

3.The back-end system is being optimized and upgraded, so the borrowing channel is temporarily closed.

4.Triggered system risk control.

5.The customer opened a store and became an individual industrial and commercial household, no longer an ordinary consumer.

6.Customers do not use it often since they opened the loan.

Extended information: "Current Name Credit Loan" is a loan service launched by 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.

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 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;

Precautions for opening a borrowing:

Clause. 1. The sesame credit score in Alipay is the primary condition that affects the opening of the loan, as long as your sesame credit score reaches 600 points, you have the right to apply for 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.

There is no quota after the loan is repaid, and there are no specific problems to be analyzed in the future.

1.If there is no limit after the borrowing is repaid, the user's credit qualification conditions will change in the future, the comprehensive credit score will be improved, and the system will re-evaluate the user to obtain the borrowing limit.

2.If the user's credit is worse in the future, the system will consider that the user does not meet the borrowing conditions after evaluation, so the borrowing amount will not be given.

Extended information: 1. You can apply for a quota through the following ways:

1. Authorize Alipay the right to inquire about the personal provident fund, the provident fund can reflect the income level of the individual, the higher the provident fund proves that the higher the income level of the individual, the stronger the repayment ability, so Alipay will conduct a credit score according to the number of personal provident funds and provide the corresponding credit limit;

2. Frequently use Alipay's wealth management products, such as Yu Bao and Yu Libao, etc., the larger the investment funds and the more frequent the use, the greater the personal financial resources, and the more able to increase the amount of borrowing;

3. Use Ant Huabei Ant Borrowing as much as possible and repay the loan on time, which can reflect the personal credit level and also help to increase the amount of borrowing;

4. Using Alipay for consumption and shopping and paying various living expenses can also improve your sesame points and effectively increase the borrowing limit;

5. Use Alipay to repay the credit card, whether it is your own credit card or someone else's credit card, you can effectively increase the limit, but you and the credit card holder must ensure that there is no overdue repayment and the sesame score should be more than 600.

2. Introduction to Ant Borrowing:

1.It is a cash loan service in consumer financial services, which mainly provides cash lending services.

2.Users can take out loans after getting the official invitation with their good personal credit, without any guarantee or mortgage, which solves the problems of cumbersome traditional small loan process and difficult borrowing, and the main operator is Chongqing Ant Shangcheng Small Loan.

Operating environment: iqooneo3 Alipay.

The user has overdue and untrustworthy behavior. This behavior does not only mean that the user is overdue when borrowing and repaying, but also that other platforms and products are overdue, and the system can also monitor it. Once the Alipay platform determines that the user is at risk of repayment, it is reasonable to recover the limit.

2. Users often do not use it. If the user obtains the borrowing credit line and does not use it often or occasionally borrows it once or twice, it is likely that the platform will feel that the user's demand is not high, and it is also possible to recover the credit line to those in need.

3. There are other violations in Alipay, such as raising Huabei in violation of regulations, maliciously swiping points, etc., and these bad behaviors will also have a negative impact after evaluation.

4. Platform policy adjustment. Now Alipay has adjusted the credit for Huabei and Borrowing, and the corresponding conditions are more stringent, if the user does not meet the basic credit requirements, then there will be no quota.

4. The Alipay platform has tightened the credit line. Affected by the regulatory authorities, the credit line of personal consumption loans has been adjusted, and many platforms have begun to reduce the limit of users on a large scale. If the user's qualifications are relatively ordinary, or if they are poor, then it is normal to be reduced after repayment.

5. Huabei cash-out. Cashing out is a prohibited violation of Alipay, and it is also illegal, but there are many people in life who will use this method to obtain cash. Once the user has this behavior and is discovered by the Alipay system, then when the user pays off the loan, the limit will be reduced, or even there is no limit, so as to avoid the expansion of the user's debt and the inability to repay.

6. Overdue repayment. Normal repayment will not cause the borrowing limit to disappear, but overdue repayment will. Any loan platform will not allow users to have overdue repayment, once overdue, then the platform will think that the user's repayment ability is insufficient, and not trustworthy, not enough repayment ability, in order to reduce losses, it is likely to recover the credit line, and the borrowing platform is no exception.

7. Early repayment. Although the borrowing system supports early repayment, frequent early repayment will be identified by the platform as malicious credit to improve the success rate of subsequent amount increases. But in fact, this kind of behavior will only backfire, making the Alipay system question the user's ability to repay, so as to avoid the risk of borrowing and reduce the user's credit line.

In short, the situation of no limit after borrowing and repaying is likely to be caused by the above reasons, and you can take appropriate methods to restore the limit according to the reasons. In addition, it should be reminded that there must be no overdue repayment when using the loan, if there is an overdue record, it is basically difficult to recover the amount.

If this happens, you can see if other products are overdue, untrustworthy, non-usable, have a history of violations on the Alipay platform, or are affected by platform policies, etc., and solve the problem after finding the reason, then there is still hope to restore the normal use of the borrowing.

If the previous repayment is not repaid on time, and there are one or several overdue periods, it is likely that the credit line will be withdrawn after the repayment is repaid; 2. Unqualified personal comprehensive assessment: If there is a change in personal assets or credit in the near future, such as a decrease in Sesame Credit Score, it will also lead to no quota for borrowing, because borrowing needs to pass the personal comprehensive assessment before applying for a loan, it is recommended to see if the quota will be restored after a while.

Question: Repayment takes less than half an hour.

I didn't ask a question, just this one.

The quota has been reduced. So your repayment is not restored.