The amount of borrowing has not been increased, and the limit has always been 1000

The borrowing quota has not increased for 1 year because the comprehensive qualification has not been improved, and it has not met the requirements of the platform.

As a pure credit loan product, borrowing is naturally more stringent in the qualification review, and it is not a simple matter to raise the amount.

If you want to increase the borrowing limit, you can start from the following points.

1. Maintain a good credit history.

2. Increase your income level.

3. Reduce your debt ratio.

4. Handle business on Alipay.

5. Buy some wealth management on Alipay.

7. Maintain a certain borrowing frequency and repay on time.

It is worth noting that the amount of borrowing cannot be opened by human intervention, and can only wait for the system to evaluate and make a decision, so it is still necessary to pay attention to the increase in this regard**.

After a successful application, you must remember to repay the loan on time to avoid damage to personal credit reporting caused by overdue.

If you have overdue records online, or have loan records from multiple platforms, then your various records will be controlled by big data risk, and even Huabei will be closed when your online loan platform often rejects you. If there is an abnormality in your online black data, you can search: Changbai data, you can obtain your own big data and credit status, you can obtain various index data, you can query your own personal credit status, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, whether there is an arbitration case, and other important data information.

Extended information: Can Huabei brand isolation continue to be used?

Huabei brand isolation can continue to be used.

Huabei brand isolation is to distinguish Huabei into Huabei and credit purchase, the amount of Huabei and credit purchase is independent of each other, and users can use the two separately.

Of course, whether it is Huabei or credit purchase, the records used will be uploaded to the credit report, but as long as the user repays the loan on time, then there will be no overdue records that affect personal credit.

After the Huabei brand is isolated, the amount of Huabei will be reduced, because Huabei mainly provides small consumer loans.

As for credit purchases, the amount is usually higher than Huabei, because credit purchases provide medium to large consumer loans.

When the user enters the loan page, whether they use Huabei or credit purchase, the page will be displayed, and please pay attention to repay on time after use.

Both Huabei and Credit Buy enjoy a 3-day grace period for repayment, so users can repay during the period from the repayment date to the grace period.

When you make a repayment, you can choose to repay the loan in full, the minimum payment or the instalment.

It could be a credit issue.

Credit problems lead to a decrease in sesame points, such as Huabei and borrowing overdue, especially if you fail to repay within the time limit, Alipay is likely to close your borrowing limit. In addition, using third-party credit services on Alipay and not returning or settling the bill in time will cause a decrease in the borrowing limit.

There are two common reasons for this, one is that the available line is partially used, and the other is that the line is reduced after the system is evaluated

1.The part of the borrowed amount that has been used: If you have used the borrowed amount, but you don't know how to use it, or you haven't used it, you can click [My] - [Ant Loan Limit] - [My] - [Loan Record] in the lower right corner of the Alipay client to query the loan details;

2.Reduction after system evaluation: The system will conduct a comprehensive evaluation every month based on the user's account consumption and repayment. Once the overall evaluation is lower than the previous month's score, it is likely that your limit will be lowered, mostly due to late repayment or illegal use of loans.

There may be several reasons why the borrowing limit has not been increased:

1. After opening, it is used very little, so even if there is a quota before, it will slowly disappear, and when you come to borrow, it will be 0, because if you don't use it often, you feel that it is a waste to give you a quota.

2. If you often repay the loan early, it may damage the interests of the borrower, and if you can't make a profit from it, your limit may be reduced or closed.

3. If there is an illegal operation in the process of using borrowing, such as using Huabei to cash out, then Alipay may determine that your credit is bad, and once it is determined that your lending risk is high, your limit will be canceled and you will not be borrowed.

4. If the mobile phone number or bank card bound to the borrower is changed frequently, then the system determines that you are an unstable user, and you will close your limit for fear of potential security risks.

In the process of using borrowing, some users say that the quota is often insufficient, so how can Ant borrow quickly raise the amount?

1. Use borrowing frequently and maintain a good repayment record.

2. Complete Alipay's personal information. The borrowing system will evaluate the user's personal comprehensive situation from time to time, and when the evaluation results meet the criteria for raising the amount, the system will take the initiative to increase the amount for it, so Alipay users can supplement and improve their personal information, such as personal real estate information, vehicle information, provident fund information, etc.

3. Fully use Alipay. In addition to frequently using Alipay to pay, you can also use Alipay to pay for living, order takeout, buy movie tickets, etc.

For some users, borrowing supports active quota increase. If "Withdrawable" is displayed in the upper right corner of the quota on the borrowing page, users can take the initiative to apply for a borrowing amount. At present, the maximum amount of borrowing is 300,000 yuan.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

Hello, I usually use Alipay more.

That's what they do, so he won't increase the quota.

After the loan of 3000 is repaid on time, you can apply for an increase in the limit, so that the customer service will increase it for you.