Why did I keep a good track record and why did I close the loan?

Hello, there may be the following 7 reasons why ant borrowing is turned off:

1. Do not use borrowing often.

When you reach the conditions for borrowing within a certain period of time, the system will automatically activate it for you. The borrowing quota is also given to you. However, if you have not used this quota since it was opened, the platform will feel that you do not need to occupy this quota, and your borrowing may be closed.

2. Bad credit history.

Whether it is a credit card or an online loan, try not to be overdue, during the use of ant borrowing, there is an overdue record, or credit cards and other loans are overdue, Alipay attaches great importance to personal credit, which is also an important reason why many people are closed. In this case, you can only re-accumulate credit, and after the bad credit record is automatically eliminated, there is still a chance to open it again.

3. Repay the loan early.

There are not a few friends who have been closed for early repayment, because early repayment will affect your performance, which was originally divided into 6 installments, but you only used it for a few days to repay, so it may also be closed.

Fourth, excessive debt.

If you use Sesame Credit to authorize too many small loans, Alipay will determine that you are very short of money and your personal risk is too great, and shutting down the loan can avoid this high risk.

5. Use Alipay to cash out.

It mainly refers to Huabei cashing out, if you use Huabei maliciously, after being detected, it will seriously touch the bottom line of Alipay, and you will be shut down and borrowed, and you will bear legal responsibility. There is no good solution to this reason to be closed, the first is to stop malicious use, and then immediately pay off the arrears of Huabei, and then use Alipay normally, re-accumulate credit, and have a certain probability of opening it again.

6. Expired documents.

Whether the authentication materials can be outdated, such as whether the ID card can be outdated, many people have encountered this situation, the ID card is outdated, and then the function of Alipay can not be used at all, re-apply for the ID card, re-authenticate it and return to normal.

7. Other reasons.

For example, frequently changing personal information, changing mobile phone numbers, or not using Alipay frequently, or even illegal transactions through Alipay, etc., may cause the loan to be closed.

Finally, I would like to remind you that borrowing can not be forcibly opened, all those who say that they are forced to open are **, please try to choose a big brand of loan products when choosing loan products, and the interest fee is transparent while ensuring your information security, "Money Flower" is the original financial credit service brand (original name: Money Flower, renamed "Money Flower" in June 2018), positioning is to provide personal consumer credit services for the public, and create an innovative consumer credit model. The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement.

Early repayment is possible, and the recovery limit can be revolving after repayment. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

Hello, it depends on what reason you are closed, if it is not used for a long time, it will be opened for you, if it is your overdue or arrears, it will be a long time to accumulate credit and maintain a good credit history Wait for the system to evaluate after repaying on time, I hope it can help you.

If the borrowing service is closed, 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 noisy borrowing records in the credit report, closing the borrowing will have no effect. 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. Only if the borrowing record of borrowing has a bad credit record, then it will affect the personal credit investigation.

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 user's subsequent use of the loan.

When using the loan, the personal credit will be queried, and the loan information will be recorded on the credit report, so how long will the credit not be displayed after the loan is closed? In fact, after the borrowing is closed, the record of borrowing will always be recorded on the credit report and will not disappear, as long as the use of borrowing does not appear overdue, it will generally not have much impact at this time.

The credit report will generally record the user's credit record in detail, for example, if the user borrows a sum of money through borrowing, there will be its loan information and the information of each period of return on the credit report, in which the information returned will be updated every time, but the information of the loan will not disappear. As long as the loan is repaid, the repayment information of each installment will be kept for 5 years, and the repayment information will disappear automatically after 5 years.

When everyday users plan to apply for a loan through the bank, it is best to settle the loan half a year in advance, and ensure that it will not be used during the loan period. In this way, you can let the bank know that you no longer owe foreign debts, and then submit the bank's fixed loan conditions, and the bank will approve it.

There is no grace period when repaying, and it must be returned on time after use, because penalty interest will be generated after overdue, and the longer the time, the more penalty interest, and the penalty interest will be charged according to the multiple of the original interest. It should be noted that overdue repayment will be uploaded to the credit information center, resulting in poor personal repayment.

In order to ensure that the loan is repaid on time, users should choose the borrowing interest rate and loan term that are suitable for them when using the borrower, so as to ensure that the loan is repaid on time in the later period. If you can't return it on time, you can borrow money from your friends at this time, and you can return it to them later, but don't borrow from your friends often to avoid affecting the relationship between friends.

When borrowing to repay, you need to start deducting the money after 12 o'clock on the repayment date, and then the borrower can ensure that there are enough funds in the account before 12 o'clock to deduct the money. If the deduction is not successful after 12 o'clock, the user can use manual repayment, so as to avoid overdue repayment.