How should I recover if my loan is closed due to multiple prepayments?

In daily life, many people have encountered such a situation, that is, sometimes the hand is relatively tight, and the capital turnover is not enough, but there are some embarrassments to open up to relatives and friends, and the emergence of some loan software, including Alipay's borrowing and Huabei, have added some convenience to this situation. Of course, due to the credit investigation of borrowing and Huabei, many people are more active about repayment, for fear that they will be overdue and affect their personal credit.

The closure of early repayment may be much more reassuring for many people than repayment on the day of repayment, so most people repay in advance in the process of using borrowing. But it is precisely because of the early repayment many times that the permission to borrow is closed, which confuses many people. In fact, it is very normal for this situation to occur, and the borrower will detect the user's early repaymentAnd think that the user may not need to borrow money, so the limit will be reduced accordingly, or simply close this part of the permission.

How to restore the authority is currently for the vast majority of users whose permissions are closed, it is not possible to reply to the authority through their own operations, the borrowing in Alipay, will regularly evaluate the credit of the user, of course, it is not that the credit score can be re-opened if the credit score is reached, but after the credit assessment, there is a probability of opening the permission. So once the borrowing permission is closed, as a user, you can only waitAfter Alipay evaluates the user's credit, this permission will be reopened, of course, this permission may be closed forever.

Most of the user's borrowing permission was closed when borrowing and Huabei first appeared, many users have used it, of course, in addition to the company's employees who use these functions, there are also some students, such an advanced way of consumption, so that many students are in debt, and even began to tear down the east wall to make up the west wall. China's control over online loans is becoming more and more stringent, and I don't want this part of students to develop a way of advanced consumptionAnd in the process of not being able to repay, it owes too many loans, so Alipay has made a lot of closures and reductions in the amount of some permissions.

Generally speaking, if your Alipay borrowing permission is closed, then you can only wait, and you can't open the permission through manual customer service or dialing ** yourself. And some have only been closed for a few monthsThere are also some people whose permissions may be closed for a few years, of course, depending on Alipay's future evaluation decision.

At this time, you can re-apply to open the loan, because early repayment will only make your credit better, not worse, so you can continue to use the loan repayment.

To improve your sesame credit, Huabei should repay on time, use this software to pay, improve your personal information, and plant trees in Ant Forest.

Open Alipay, and then find your own page, open the settings and there is a function to open it, you only need to open the borrowing and then you can use it.

Borrow early repayment.

If there is no violation for one month after closing, the loan will be opened again.

Maintain good credit and account activity, and use Huabei.

Repay on time and use Alipay for online and offline purchases.

Complete personal information, such as education, assets, social security, etc., to increase Sesame Credit score.

Alipay is fixed on a mobile phone, do not change the use of equipment, check whether the account status is normal, not in the state of risk, appeal.

If there is a late repayment record, you can use Alipay to repay the credit card.

In this way, it reflects and proves that you have the ability and habit of repaying on time.

Extended Information: Borrowing Requirements:

1. Yue Bao.

or the account balance has a certain amount and remains unchanged for more than three months without a large amount of change.

Explain: This point means that you have a relatively stable flow of funds, and after often spending money, you can repay directly from Yue Bao when it comes to repayment. This means that all your funds and consumption behaviors are circulated in the Alipay system, so you say that Alipay is happy or not.

On the other hand, if your Yu'e Bao or the amount in your balance fluctuates greatly, First Alipay is worried that your funds are unstable and prone to accidents. Second, there is no way to automatically deduct the money you use Huabei, which will worry that you will not be able to repay Huabei.

2. Pay with Alipay, and give priority to Huabei payment. Some people will like to use payment, and you can use payment to send a red envelope or something, but I think if you want to increase the limit if you are a consumer, you really have to use Alipay. Like Alipay's sesame points.

He is a score to evaluate your consumption behavior, and the higher the score, the greater the chance of increasing the amount (how to calculate the sesame score, and who are the high scores?). ）。And the role of Alipay in the financial field is indeed far greater, and it is right to use it more when consuming.

3. Use Huabei to pay more, and occasionally repay in installments if necessary.

The more you use, the more you have the desire to consume in advance, and the probability of your installment in the later period is relatively greater, so that the probability of Alipay making money is also large, which is beneficial to Huabei. Therefore, if it is the same form of consumption, it is recommended to give priority to Huabei deduction. Because of the user portrait of Alipay, who loves to use Yu'e Bao to pay and Huabei to pay.

There's a difference.

Summary. <>

Hello dear! I'm glad to answer for you, you can still borrow it if you repay it early, and it takes 3 working days to recover. After the loan is repaid in advance, as long as the amount is restored, it is natural to borrow again, and the loan amount will be restored in real time after the customer repays; The amount of repayment will be restored.

How long does it take to recover after borrowing and repaying early?

My loan has been repaid early, why can't I use the amount in it?

Hello dear! I'm glad to answer your reputation, borrowing early repayment is still able to be borrowed, and it takes 3 jobs to recover on a daily basis. After the borrower repays the loan in advance, as long as the amount is restored, it is natural to borrow again, and the loan amount will be restored in real time after the customer repays; The amount of repayment will be restored.

Hello, you still have a quota in it that you don't need to balance the crack energy because the borrowing system conducts a comprehensive assessment of your account situation and the use of the borrowing, and the clan barrage is found to be unsafe, so it is normal not to use it.

It's been almost 20 days, and it still shows that you can't borrow money for the time being.

Just because of the prepayment of the loan.

It usually takes 1 month, because it is normal for the borrowing system to review your comprehensive assessment again, just be patient.

It has nothing to do with early repayment, it is a problem of the system, there are fast and slow, you can just wait patiently.

Yes, borrowing is still reviewing your comprehensive assessment, so if this page is displayed, just be patient.

It shows that there is still a limit, but it can't be borrowed.

When the time of one month is reached, it is ready to use.

Good. You can use it again in a month's time.

Summary. Hello dear!

Glad for your question! Can I close the loan after early repayment? Yes, after the early repayment of the Alipay loan, the user can close the loan by himself, and the specific operation steps are as follows:

1.Log in to Alipay, click "My" in the upper right corner, and select "Borrow"; 2.Enter the "Borrow" page and click "My Borrow"; 3.

Go to the "My Borrowing" page and click "Close Borrowing"; 4.After closing the debit, the debit account will be closed and can no longer be used, but the repayment history can still be viewed.

Can I close the loan after early repayment?

Can I close the loan after early repayment?

Can I close the loan after the Alipay loan is repaid in advance?

Hello dear!

Glad for your question! Can I close the loan after early repayment? Yes, after the early repayment of the Alipay loan, the user can close the loan by himself, and the specific operation steps are as follows:

1.Log in to Alipay, click "My" in the upper right corner, and select "Borrow"; 2.Enter the "Borrow" page and click "My Borrow"; 3.

Go to the "My Borrowing" page and click "Close Borrowing"; 4.After closing the debit, the debit account will be closed and can no longer be used, but the repayment history can still be viewed.

Okay thank you.

<>Alipay borrowing is very convenient to borrow money, some friends borrowed money with borrowing, repaid in advance, and then borrowed and closed, can not borrow, I don't know how to do it. So, how to recover if the loan is closed for early repayment?

Open Alipay on your phone, log in to your Alipay, and click My.

Click Borrow to enter.

After entering, those who have a quota can see their quota, and then click Mine.

Under normal circumstances, early repayment will not close the loan, if it is closed and the tomb, that is, the system automatically evaluates your behavior, and feels that you currently do not meet the conditions for borrowing, the recovery method can use Alipay more, maintain good credit, and bind Alipay's bank card to have enough money, so that the system will automatically open it again for you when you meet the conditions in the next assessment.

If there is a situation where you cannot borrow after early repayment, it should not be due to early repayment.

After all, borrowing supports borrowing and repaying at any time, and it can be repaid in advance, and it will not bring any adverse effects because of early repayment, resulting in no further borrowing in the future.

In this regard, it is recommended to check the recent borrowing and repayment behavior to see if there is something wrong with personal credit; If you are not sure, you can also contact Alipay customer service directly for consultation.

However, if the specific cause is examined, it is sufficient to take appropriate measures to resolve it.

For example, if you find that the account risk has increased due to bad behaviors such as frequently changing devices to log in and constantly modifying account information, such as changing bank cards and changing mobile phone numbers, and you are being controlled by the system, you can only wait patiently for the end of the system risk control, and at the same time pay attention to accumulating more credit.

The system will generally be evaluated every other month or so, and if the system assessment meets the standard and the account risk decreases, it will naturally return to normal at that time, and you can continue to borrow.

Although many online loans are not on the expedition history, but each small loan platform has its own third-party big data credit platform, if there is an overdue or non-repayment situation in one, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on "Xiaoqi Xincha" to grasp your big data status in a timely manner, which is an online loan big data query system that provides accurate and complete data information for online loan applicants.

Extended Information: What does it mean that Huabei has no accumulated amount?

If Huabei shows that there is no cumulative amount for the time being, it should mean that Huabei has not made new consumption in the current month, and the previous bills have been paid off, so there is no amount to be paid in the current month's bill.

It should be noted that Huabei is a credit payment tool for this month's consumption and next month's repayment, and the consumption before the bill date will generally be included in the current month's bill and must be repaid this month; The consumption on the bill date and after is included in the next month's bill, and the bill will not be issued until the next month's bill date, and the repayment will be made next month, so there is naturally no bill to repay this month.

In short, just repay according to the side search bill, and there will be a minimum repayment amount for general bills, if you can't pay off the bill in full, you can pay off the minimum repayment amount first.

As for the remainder, it will be postponed until the next month.

If it shows that there is no balance, that is, there is no limit, it may be because the amount in the account has been used up but has not yet been repaid.

Of course, it is also possible that the credit is not good, such as overdue repayment, or illegal cash-out, resulting in the system controlling the account and freezing the limit.

So the timing of this recovery is uncertain. There are generally two reasons for the closure of borrowing: 1. When the age reaches the age of 60, it will be automatically closed, and the stool will not be restored.

2. There is a certain risk of credit score reduction or big data analysis borrowing, if there is a credit card or bank loan, overdue repayment will also affect Ant Credit. I hope my reply can be helpful to you, thank you for your consultation, thank you, .