Why is my borrowing suddenly gone?

The reason why the borrowing was suddenly closed: the user did not use the borrowing for a long time; The activity of the Alipay account is not high; Serious overdue behavior during the use of the borrower; Huabei and reserve funds are 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, 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 Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and it can basically be withdrawn after 10 days, generally on the 1-10th limit;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.

If the borrowing in Alipay suddenly disappears, it is likely to be caused by the following reasons.

1. When the loan was repaid before, it failed to repay the loan on time within the specified repayment period, and there was an overdue situation, resulting in personal credit damage, and the sesame score also declined, so the system closed the account and froze the limit, so that it could not be borrowed again (note that if the repayment of Huabei, reserve or other credit products related to sesame credit and credit investigation is also overdue, it may also indirectly affect the loan).

2. There are bad behaviors such as swiping points, illegal cash withdrawals, etc., or due to operations such as logging in with a total change of equipment, frequent modification of account information, etc., which leads to a high increase in account risk, which leads to system risk control.

3. The user opened a store and was operating, so it no longer belonged to the ordinary consumer group, but an individual industrial and commercial household, so the system closed the loan after a comprehensive evaluation and provided a more suitable online business loan for the user.

4. The background system is being repaired, optimized and upgraded, so the borrowing is temporarily closed, and after the system repair, optimization and upgrading are completed, the borrowing will naturally be restored.

It is recommended to learn about your current credit situation in the "Balloon Check", get rid of bad loan application habits, and cover untrustworthy behaviors with new good payment records.

Extended information: Huabei will be okay in 4 days, right?

According to Huabei's official explanation, there is no grace period for Huabei repayment, so even if it is only overdue for one day, it will also affect personal credit, and consumers must pay attention.

Huabei not only cannot postpone repayment, but also does not support negotiated repayment, personal credit will be affected after the overdue, the amount of Huabei may be reduced or even frozen, and the penalty interest generated during the period must be paid in the future, and cannot be reduced through negotiation.

In addition, Huabei is fully connected to the credit information system, and after the consumer is overdue, it will not only affect the amount of Huabei, but also may have an impact on the consumer's credit report, leaving a bad credit record on the personal credit report, which has a great impact.

Therefore, in order to avoid a series of consequences after overdue, consumers must remain calm when using Huabei, do not exceed their own repayment ability, and borrow on the premise that economic income can cover expenses.

Your borrowing is suddenly gone, which may be due to these reasons:

1. Your Sesame Credit score is reduced, if you are often overdue or have a negative record on Alipay, then the system will close the loan for you according to the situation;

2. Frequent early repayment, although the borrowing is calculated on a daily basis and supports early repayment, but if you do this, you will not get the interest on the borrower, and you feel that you don't need this, and if you don't abide by the agreement when borrowing, your credit score will deteriorate;

3. If Alipay is used for illegal operations, such as cashing out and the like, if it is very serious, then it is not as simple as closing the loan, and Alipay may be suspended.

Arbitrary consumption ads.

The emergency channel arrives quickly!

The borrowing on Alipay is gone, it may be that you have done the following things:

1. Modify personal information frequently, when using borrowing, the system will evaluate all the user's information from time to time, if you modify it frequently, the system will think that you have potential security risks;

2. If you are often overdue, you will definitely not be able to use the borrowing;

3. The activity of Alipay is too low, or it is not used after opening the loan. If you open a loan but never apply for a loan on it, then it is a waste to give you the quota and the loan will be closed.

Alipay's system will pay attention to the use of each user at any time, if the system detects that the account is at risk, it will temporarily close the user's borrowing, if the borrowing suddenly disappears, you need to keep the account in use, wait for the system's evaluation, and the evaluation will be automatically opened if the evaluation is successful.

In the process of using Alipay, if you frequently change the terminal (tablet, mobile phone, etc.), the system will determine that the password is known by many people, and there is a suspicion of stolen numbers, which may have potential security risks, and Alipay will cancel the ant borrowing; If the borrower is not used for a long time after opening the loan, the system will determine that the user has no need for the loan, so the borrower may also be temporarily closed; Late repayment will also result in the closing of the loan. When the user's loan is overdue, in order to ensure the safety of the loan, reducing the amount or closing the loan after the user pays off the loan is a risk control strategy, and the user's overdue behavior in Alipay will not only cause the loan to be closed, but also face the troubles of collection, penalty interest, and sesame credit score being reduced.

The system will also detect behaviors such as cashing out and swiping points, and these cheating behaviors will often be punished to a certain extent, and the system may also automatically close the borrowing when these situations occur; If you have made a secured loan for someone else, the other party has not repaid, resulting in joint and several liability, stains on the credit report, and you are worried that the user will not be able to repay normally, so the system will recalculate the personal credit, and it is also possible to close; In addition, if someone else reports, it may be a malicious report or it may indeed do something harmful to others, and it is possible to be automatically closed if it is reported.

If you have not opened Ant Borrow, you can try to open it, but you need to complete real-name authentication for your Alipay account, bind your mobile phone (the mobile phone number must be commonly used), have a normal account status and have not been appealed, and your account has not been reported. For users who meet the above conditions, the system will conduct a comprehensive evaluation based on the account usage, and whether it can be used or not is subject to the system evaluation.

Why is it useless, I just returned it to borrow it, and it was closed.

The sudden lack of borrowing amount is generally caused by the following six circumstances: it may be that Ant Financial has temporarily closed your borrowing qualification, 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 turn off the use of the borrower.

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.

It may be that your borrowing function has been transferred to the online business loan, you can open the last page of Zhidong Xiaofubao, 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.

If there are violations on Alipay, such as swiping points, cashing out, etc., the system will close the loan if it is detected. If the repayment is frequent and the repayment is poor, the system will think that your account is at risk, and it will close the group and close the loan. Frequent changes to personal information.