How can there be a borrowing record after the borrowing is closed

The situation that there is still a borrowing record after closing the borrowing may be due to one of the following reasons:

1. The borrowing records that existed before the closing of the borrowing have not been cleared or eliminated, and will still be retained in your credit report for a period of time. When you apply to close the loan, the loan service will be stopped, but the historical loan history will not be deleted immediately.

2. After the borrowing is closed, the borrowing service may still have an impact on your credit assessment and credit report, because your borrowing behavior has left traces in the system and will be used by other financial institutions for risk assessment.

In this era of high value on credit, once there is a stain on credit, many things will be restricted. As part of the online loan service, borrowing involves big data analysis and risk assessment. Therefore, it is recommended that you protect your credit history and keep an eye on your credit report to understand your credit status, borrowing history, and potential risks.

You can use platforms such as "Xiaoqi Credit Check" to view your credit data to ensure that your big data credit record is in good condition.

Credit Reports. There is also a record of what you have consumed. So there will always be a display. Ants borrow.

It is basically not easy to open it again after it is closed, and after the credit card is paid off, you should pay attention to canceling the card. I don't want to use it in the future. If you don't want to use it in the future, just call ** directly to customer service and say that the card will be cancelled.

Cut off the corner of the credit card chip or magnetic stripe at home. Then throw it away. If you still want to use it again, call customer service directly to cancel the card, this card will be kept for about a year, and you can continue to use it if you want to use it.

First, there is. Ant Borrowing is a consumer loan product, and Ant Financial will report to the credit information system in a timely manner in accordance with the regulations of the People's Bank of China. Therefore, once an ant borrows overdue, it will not only affect your own Sesame Credit, but also have a negative impact on the personal credit record of the People's Bank of China.

2. The record of each loan will be displayed in the credit information system of the central bank, but as long as you do not repay the loan on time, it will generally not adversely affect the user's credit information of the People's Bank of China. However, if it is overdue, it will also be displayed in the credit information system synchronously, leaving your bad credit record.

3. According to regulatory requirements, borrowers need to report to the People's Bank of China for credit investigation, and for each loan borrowed, users need to take the initiative to check the "Personal Credit Report Inquiry Authorization Letter" to agree and authorize the lending entity to report to the credit reporting system.

1. There will be fees for overdue borrowing. It will also have an impact on personal credit reporting and the use of borrowing, so it is recommended to repay the loan in a timely manner.

2. If it is overdue for a long time, there may be a collector to contact, and in serious cases, it may be prosecuted.

3. After the loan is overdue on the credit report, it may affect the subsequent mortgage and other loans.

Fourth, the opening of the borrowing is the result of the system review, and the user cannot take the initiative to open it. To open Ant Borrowing, the following conditions must be met:

1) Alipay account completion real-name authentication;

2) The account status is normal and has not been appealed;

3) Bind the account to the mobile phone. For accounts that meet the above conditions, the system will conduct a comprehensive assessment from time to time based on your account usage, and whether it can be used or not is subject to the system assessment, and manual intervention is not possible.

5. There are two types of shutdowns: you don't want to use active closing, and you are shut down by the system because of overdue and other 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.

Sixth, it will be difficult for users with bad personal credit to apply for bank loans and credit cards, and with the continuous establishment and improvement of China's credit system, it is likely that it will be difficult for the old man to move forward in the future.

The borrowing record will be permanently retained in the credit report and Sesame Credit, and this borrowing record will become part of the personal credit, so the record will not be deleted.

The overdue record will only be retained for 5 years after being paid off, and the overdue record will be automatically deleted after 5 years, so in the credit report, the record of on-time repayment will still be retained.

During the repayment period, the user must ensure that each installment is repaid on time, and as long as it is overdue, it will be uploaded to the credit report.

It only needs to be checked at: Shell tip quick check. Click on the query, enter the information to query your own credit data, query your personal credit situation, online black index score, blacklist, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Answer: Hello, the loan is closed, but the previous loan record will be permanently retained in the credit report and become part of the personal credit report. Therefore, in addition to borrowing, other loans, even if the loan account is cancelled, the loan record will always be retained in the credit report. However, after the overdue record is paid off, it will only be retained in the credit report for 5 years, and the overdue record will be deleted after 5 years.

Therefore, as long as the user has applied for a credit loan, then he will not become a credit white account, and as long as there is no overdue record in the credit report, then the user's credit is good.

Question: Uh-huh, I'm thinking, I want to close it, and it's not overdue, if I buy a house or something, I need that settlement certificate, can I still open it.

Answer: If the loan is paid off, it will not affect the subsequent application for a mortgage. If the loan has been paid off, only the records that have been paid off will be displayed in the credit report, which is a good credit record and has no negative impact on personal credit. After you apply for a mortgage, since you have repaid on time and have paid off before borrowing, the bank will think that you have a strong repayment ability and willingness to repay, which can help you pass the mortgage review.

To issue a settlement certificate for the loan, you must first ensure that all the arrears of the loan have been paid off;

2. After paying it off, click "My-Ant Borrowing-My-Loan Record-Loan Certificate" in Alipay on your mobile phone, and then click to issue;

Hello, Ant Borrowing currently does not support the deletion of loan records, because loan records are very important and can be used as evidence if necessary. If you have good habits and repay on time, then there is no negative impact on personal credit, and if it is overdue, it will also have a negative impact on personal credit. So borrowing records are very important.

, you should first find your ant's transaction history.

3. After finding the transaction history borrowed by Ant, swipe left slightly, and the delete button will appear. Click Delete.

4. "Credit Loan" is a loan service launched by Alipay. According to sesame seeds.

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.

On January 9, or on suspicion of being too high and violating the central bank.

Relevant regulatory provisions, take the initiative to close some user accounts and control loan balances.

6. "Borrowing" is a loan service launched by Alipay. The application threshold is more than 600 sesame seeds, and according to different scores, 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.

Expand your information; 1. Alipay (China) Network Technology **** is a leading independent third-party payment platform in China and is Alibaba Group.

2. Since its establishment in 2004, Alipay has always taken "trust" as the core of its products and services. It not only ensures the security of users' payment from the product, but also allows users to establish mutual trust through the Alipay network, which is a very meaningful step towards establishing a clean Internet environment.

3. At present, consumer loans launched by e-commerce giants.

It is mainly aimed at the stage of the e-commerce platform's consumption scenario, but with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios have also been launched one after another. Have. Here's the actual experience of increasing the amount:

1) Deposit Yue Yu'e Bao.

or Zhao Cai Bao (regular) and deposit 15000+ money, which can be paid after 10 days, usually 1-10 days;

4. Complain about Jack Ma.

Uncle. One of the reasons why I'm not optimistic about these Internet companies engaged in finance is that they don't have the experience of receiving users who can't distinguish between interest and fees.

5. This part of the business will naturally have an impact on the similar business of the bank. After all, the scale of several Internet giants is there. But not every industry is suitable for the Internet.

If the amount is too low, the principal will be repaid in installments. It is a small chicken rib, which is destined to be difficult to replace the position of traditional finance.

I hope I can help you.

operating environment; Huawei CDY-AN90 software version; Alipay.

3. After entering the bill page, find your Alipay loan.

Hello. Delete the record of Alipay borrowing and repayment. Here's how you do it.

After opening the bill. Press and hold your finger on the record of your repayment. After pressing and holding, the delete button will appear on the interface.

After clicking on the delete button. This repayment record is deleted.

3After entering the bill page, find the transaction record of your Alipay loan repayment.

4. Press and hold the borrowed record, and the record will pop up to delete after 2 seconds, and then select Delete.

Question: Loan repayment**Can't be deleted?

I can't delete the question.

After opening the bill. Press and hold your finger on the record of your repayment. After pressing and holding, the delete button will appear on the interface.

After clicking on the delete button. This repayment record is deleted.

Use ant borrowing.

In the process, if there is a late repayment behavior, the negative record will be reported to Sesame Credit.

and the People's Bank of China.

At present, there are two ways to eliminate negative records: 1. Automatic elimination by the system: negative records will be automatically eliminated by the system after 5 years of retention, as long as good credit accumulation is maintained within 5 years, these negative records will weaken the negative impact over time.

2. Appeal elimination: If the negative record is not true, the user can file a complaint with Ant Borrow, and the negative record will be eliminated if the appeal is successful. According to the regulations on Alipay's official website, Ant Borrowing has a three-day grace period, and if the user is overdue and can pay it off within three days, the overdue record will not be uploaded to the central bank for credit; If it is overdue for more than three days, it will not only cause a mistake in personal credit, but also bear a high penalty interest.

Extended information: Consequences of borrowing overdue.

1. Penalty interest will be generated, almost all loan products will be subject to penalty interest when overdue, and there will even be liquidated damages.

Overdue borrowing is no exception, and a penalty interest of 5/10,000 of the overdue amount will be charged every day, according to compound interest.

The longer it is overdue, the more penalty interest is charged. If the interest charged is overdue in the borrowing, the composition is the interest (calculated according to the original interest rate) plus the penalty interest, that is, the calculation formula is:

Overdue interest = overdue amount Overdue days Interest

2. Affect credit, overdue borrowing will not only affect Sesame Credit, but also affect credit information, and now Huabei.

Borrowers have successively connected to the central bank's credit system.

The system will report the individual's repayment situation to the credit information platform every month. The appearance of stains on credit reporting will have a great impact on the subsequent bank borrowing and the employment of public institutions.

4. May be sued, this situation occurs relatively rarely, but it will not be ruled out, if the amount of the loan is large, the overdue time is long, and the customer refuses to repay after repeated urgings, it may be sued.

Operating Environment: Operating Environment: Mobile Mi11 (

Alipay.

Can I still see my previous borrowing records after the loan is closed? Hello dear, the borrowing service is closed, and the historical borrowing records of the borrowing will be left in the credit report, and the historical borrowing records in the Alipay system will be deleted. Therefore, if you want to delete the borrowing record in the credit report, closing the borrowing is ineffective.

A normal credit history is part of a personal credit report that is kept permanently. As long as the borrowing record of borrowing does not produce overdue records, then it will not affect personal credit, on the contrary, the record of repayment on time belongs to a good credit record, with this part of the record, the user applies for credit business, and the probability of passing the review will increase. The borrowing record of the borrower will only affect the personal credit report if the bad credit code is recorded.

After the user's loan is closed, the borrower can be re-opened, and whether the loan amount and loan interest rate after opening are the same as before, the display on the page shall prevail. Even if the amount and interest rate are different, it will not affect the subsequent use of borrowing by late-travelers. I hope it can help you.

Summary. Hello, glad to answer for you, I hope it will be helpful to you<><

2.Find the "Sesame Credit" column and click to enter. 3.

In the "Loan Repayment" module, click "Repayment Record" to enter the repayment history page. 4.Find the repaid debit record and click the "Delete" button on the right.

5.In the pop-up dialog box, confirm whether to delete the record, and click OK to delete the record.

How to delete the record of Alipay borrowing and repayment?

Hello, I am happy to answer for you, I hope it will <>

2.Find the "Sesame Credit" column and click to enter. 3.

In the "Loan Repayment" module, click "Repayment Record" to enter the repayment history page. 4.Find the repayment record and click the "Delete" button on the right.

5.In the pop-up prompt box, confirm whether to delete the state and delete the record, and click "OK" to delete the record.

Here are some <> related extensions that we hope you will find helpful

Please note that once you delete your repayment history, it cannot be restored. Therefore, before deleting it, please make sure that you do not need the record for other operations. <>