Why can t you borrow credit if it s good?

After all, whether the borrower can be used is comprehensively evaluated by the system, and personal credit is only one of the reference factors, and it should be judged according to the account status and repayment ability. For example, if you just have good credit, but your debt is too high and your ability to repay is not good, you will definitely not borrow it.

It is recommended that users maintain a good account status, use Alipay's other credit products to accumulate credit, and sooner or later they will be able to use the loan.

Extended Materials

The use of borrowing Huabei reserve funds is not only to see your use and repayment, but also to see your credit situation in the whole network.

The following reasons are easy to cause borrowing and not being able to use:

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.

An insufficient borrowing score can be caused by the following reasons.

1. Insufficient income borrowing is a pure credit loan product, which requires sufficient repayment ability before the platform can rest assured that the credit line will be given.

2. The higher the debt ratio, the greater the debt pressure in the future, and the higher the possibility of overdue.

3. No credit demand borrowing is an invitation-based credit product, which is aimed at credit demand, if the system does not usually perceive the need for borrowing, it will also be rated as insufficient comprehensive score by the system, which is something that needs to be noted.

4. The account activity is not enough, for example, in normal times, Alipay has hardly been used to handle business, in this case, the system has less understanding, and the comprehensive evaluation score is naturally not high.

5. If you do not meet the application conditions for borrowing, you must be over 18 years old, and have completed real-name authentication and have full civil capacity.

6. Failure to pass the personal qualification review, such as bad personal credit, bad loan records on the credit report, and non-performing loan records of Huabei, borrowing and other products, will also lead to insufficient comprehensive scores.

7. Alipay is abnormal, for example, Alipay has the risk of information leakage, and frequently changes the login device and modifies personal information, which will also lead to insufficient comprehensive scores.

8. Multiple loan recordsWhen applying for borrowing, the platform will examine the credit history, if there are recent borrowing records from multiple platforms, the system will think that there is a certain economic pressure, which will also lead to insufficient comprehensive score.

It can be seen that there are many reasons for the lack of comprehensive scores, first of all, we must find the problem, and then try to solve the problem, so that our qualifications meet the application conditions of borrowing, so as to obtain the amount of borrowing.

If the online loan is overdue and has not been repaid, and it is collected, you can get a big data report in "Kingfisher Data", check your overdue records, and classify your online loans, formal and informal, those on credit and those on non-credit information. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to the regular credit investigation to reduce the impact on yourself.

Extended Information: Can Huabei installments be paid in advance?

Huabei installments can be paid in advance.

After Huabei installments, you can pay off the arrears of a certain installment in advance, or you can pay off the entire arrears of the installment in advance.

Since Huabei installment needs to pay a certain installment handling fee, paying off in advance can save the handling fee, and the system will not refund the handling fee that has been charged.

If your borrowing shows that you can't borrow money temporarily, please maintain good credit, which may be due to one of the following reasons:

1.Borrowing credit has been used up: Your borrowing credit is limited, if you have already used up your burning baggage credit, you will need to wait until the end of the billing period before you can use it again.

2.Borrowing is under review: If you have submitted a borrowing application, it may take some time for borrowing to review your information and credit history. During this time, your borrowing may show that you are temporarily unable to borrow money.

3.Insufficient credit evaluation: The use of borrowing requires binding to a bank card and conducting a credit evaluation, and if your credit evaluation is insufficient, you may not be able to use the loan.

4.Other reasons: such as arrears, overdue and other bad credit records, will also lead to the inability to use the borrowing.

If you encounter the above situation, please be patient, wait for a period of time or contact the relevant customer service for consultation and resolution. It is also necessary to maintain a good credit history and use borrowing or other loan products reasonably to avoid affecting personal credit assessment and financial status.

It shows that the user's credit water Wang Heping has not yet been able to pass the system's comprehensive and high-level evaluation.

If the borrowing shouts that the prompt does not meet the requirements for the time being, it is recommended to maintain good credit, which indicates that the user's credit level has not yet been able to pass the comprehensive evaluation of the system, so he does not have the qualifications to open the borrowing for the time being, and can only continue to maintain credit to see if the subsequent application can be opened.

The basic conditions for opening the borrowing are:

1.It is a personal mainland account, aged 18 years old or above.

2.The Alipay account has completed real-name authentication, and the account status is normal and has not been appealed.

3.The Alipay account is bound to a mainland mobile phone number and a savings card.

4.Personal credit is good, with a Sesame Credit score of 600% or above.

The borrowing has become an online business loan, indicating that the user meets the application conditions of the online business loan and does not meet the application conditions of the borrower, so the system has taken the initiative to make adjustments. For users, there is no good or bad, and online business loans also determine the loan amount and loan interest rate according to the user's credit qualifications, which is no different from borrowing.

However, online business loan is a loan service launched for self-employed and small and micro enterprises, and the loan amount may be higher than borrowing, which is more practical for merchants than borrowing.

Extended Materials"Loan", now known as Credit Loan, is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is January 9, 2018, or due to excessive leverage and violation of the relevant regulatory regulations of the central bank, some users have been voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

At present, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenarios of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and it can basically be withdrawn after 10 days, generally on the 1-10th limit;

But there are still netizens complaining about Uncle Ma Yun; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

Borrowing is a line of credit. Credit card loans include microloans, which refer to a loan product that can be obtained through personal credit. In the division of Alipay, borrowing belongs to the category of small loans.

As long as the user wants the loan amount, he can find the loan product that suits him in the bank and apply for it.

Hello, this borrowing software is still very reliable, if you are overdue, then it will definitely affect your personal credit record. Therefore, in the process of use, you must pay attention to normal use. If the bank card is frozen, you need to go to the bank to apply for unfreezing.

It is still more reliable, whether it will affect personal reputation, first of all, it depends on whether you pay off the fees you owe within the specified time.

Reliable, as long as the repayment is made on time, it is absolutely reliable and will not affect the personal and reputation.

There is a quota for borrowing, which is not much directly related to your good credit, mainly due to the following conditions.

The first condition: real-name authentication is required.

Many people will have questions, aren't our Alipay accounts all real-name authenticated? Many careful people will find that Alipay has a two-factor authentication, which must be authenticated, but in addition to the most basic real-name authentication, we also need multiple people to authenticate some personal information, such as driver's license, real estate license and vehicle information, etc., which is of great help to the opening of ant borrowing.

The second condition: high activity.

We should often use Alipay to pay, use some small functions in Alipay and play some small games, and the increased activity will be of great help to us to open ant borrowing, only in this way can our ant borrowing be opened. Many people's Alipay activity is not high, which is the key reason why many people do not have ants to borrow.

The third condition: Sesame Credit.

If your sesame credit score is high, you may not have opened the borrowing function, if your sesame credit score is low, you will not open ant borrowing, so we need to improve our sesame credit score, and use Alipay to buy goods or participate in financial management, which will help improve the sesame credit score.