What s going on with the reduction of the borrowing limit?

There are several reasons for this.

1: Give you a credit if you don't use it for a long time, it will be reclaimed for other people's use. Because there are so many Alipay users, it is impossible for everyone to have so many quotas, which is also to avoid waste of resources.

2: Alipay will close the qualification of Ant Borrowing if it detects that the account has security risks. Therefore, we must have a sense of security, protect personal information, change the account password regularly, do not lend the Alipay account to others, and if the mobile phone is lost, we must call customer service as soon as possible to report the loss.

3: You can have one or two early repayments, so that Alipay thinks that your ability and willingness to repay are enough, but if you repay in advance every time, you will think that you do not need the installment cash loan service, and you will also be reduced or disqualified.

Since its launch in April 2015, Ant Loan is an online consumer credit product launched by Ant Financial, which has granted loans ranging from 1,000 yuan to 300,000 yuan for more than 30 million Alipay users.

Ant Borrow is an online lending product owned by Ant Financial, which allows users to borrow a certain amount of money through the Alipay client without submitting any information. Ant borrowing has a higher amount and a relatively low interest rate, so you can borrow and repay at any time, or you can repay it in installments. When you have enough money, you can also repay in advance and interest-free, and according to the specific situation of the user, you can also launch two repayment methods: monthly equal amount and interest first and principal later.

A series of user-friendly services have made Ant Borrowing widely praised as soon as it was launched.

But there will be surprises and disappointments, we all know that if you use a borrower, if you are late or maliciously do not repay, you will be reduced or even disqualified. However, many users reported that their borrowing limit was reduced or directly deactivated without overdue or even unused, which also caused dissatisfaction among these users.

In fact, the assessment of the limit of Ant Loan is based on the user's sesame credit score, Alipay account usage, credit history and other factors, and the user cannot take the initiative to apply for or adjust the limit.

As an Internet consumer credit product, users do not need to provide any information, according to the user's accumulated consumption, payment, credit risk and other data, combined with the risk control model, through big data computing to grant a certain amount of loans, qualified Alipay real-name users can take out a loan with one click. Since last year, Ant Financial has been expanding its presence in the field of consumer finance, and has successively launched two self-service consumer loan platforms, Ant Huabei and Ant Borrow. Ant Huabei is designed for online and offline shopping scenarios and cannot be withdrawn, while Ant Loan is a consumer credit product that can be withdrawn.

Hello, Alipay will make a comprehensive assessment according to your consumption, repayment and other conditions and then adjust your limit, it is recommended that you maintain a good credit history, improve personal information, and authenticate personal property. If you feel that the amount is not enough, it is recommended that you use Money-Spend to borrow, "Money-Flower" is the original financial credit service brand (original name: Money-Flower, renamed as "Money-Flower" in June 2018), which has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security.

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!

The maximum borrowing amount is 200,000.

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.

If your borrowing quota is not enough, you can also consider other reliable big brands, such as Tencent Micro Loan and Du Xiaoman Finance. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan is as low as 2 yuan a day, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers.

This is provided by Kangbo 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. Hope this helps.