What should I do if the online merchant loan money is not repaid and turned off?

Online business loan is a financial loan product of Alibaba, different from common Huabei and other products, online business loan is aimed at small and micro enterprises or entrepreneurs to get through the difficult period of financial weapons, but also because of its unsecured borrowing method by the majority of customers welcome, so what if the online business loan is stopped? According to the normal logic, find the cause, and then solve the problem, if it can't be solved, you can look for similar product alternatives in the market, and we will analyze these steps in detail below.

First, look for the reason for the stop. There are many reasons, it may be that you have not used it for a long time, and the initial amount has not been used for feedback, and the background judges that you don't need a loan according to the data, so you close the available limit; If you're using it and suddenly the online merchant loan is stopped, be vigilant. Whether your other loans are overdue, whether your People's Bank of China credit has been queried many times, and whether the most neglected credit card is overdue, etc., these reasons are the direct reasons for the cessation of online business loans, and also affect your creditworthiness and cause great harm to yourself, after all, it is an era of UnionPay, and your overdue loans in a certain home will affect all your loan status, of course, including online business loans.

Second, address the causes and solve them in turn. This is a logical problem, but also a natural reaction, if you do not use the online business loan for a long time and the limit is withdrawn, you can contact the relevant customer service, provide relevant information according to the instructions of the customer service, and apply for opening again; If you have another loan that is overdue, seize the time to fill the hole; If you are the People's Bank of China's credit inquiry has increased the number of times, you can go to the People's Bank of China to check the credit record, and then understand the relevant credit related policies, you must know that there are times of credit inquiry every year, not only including your own inquiry, but also the reason why you may authorize other financial institutions to inquire, and you just don't remember these authorizations, this situation mostly occurs when you apply for an online loan or credit card without paying attention to the pop-up screen conditions, and blindly check the consent to authorize credit inquiry; The last and most overlooked is credit card defaults. Credit card is a very common loan card product, and some customers can't figure out the number of credit cards in their hands, let alone understand the consumption situation?

If there is really a credit card default, each bank has a special credit card service center, and the certificate of no malicious default can be issued according to the procedure.

Third, look for similar loan product alternatives. If the above problems are all dealt with one by one, and the online business loan is still stopped, you can choose a similar product in the market to replace it. From the analysis of the nature of the product, the online business loan belongs to the credit loan, and this kind of unsecured credit loan, banks and other large financial institutions have similar products, and the interest rate is also different, and even some banks have launched corresponding preferential loans, find out the relevant product introduction, and there will naturally be a choice after comparison, and there is no need to be entangled in the online business loan a product.

The above insights hope to be helpful to customers who have needs.

If we use the online business loan loan, there is a money that has not been repaid but the loan platform is forcibly closed, then we can only call the customer service directly, explain the real situation with it, and negotiate to see if the outstanding amount can be repaid before closing, otherwise, because the online business loan is connected with the credit information platform, a long overdue period will affect personal credit, and there will be a lot of inconvenience to future life.

Online loan users can also check their credit qualifications by docking with third-party big data risk control platforms, such as Beijian Quick Check, Sesame Credit, etc., the former has established data cooperation with more than 98% of online lending institutions on the market, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans is shared on most loan platforms, which means that if the borrower is overdue or owes money on one platform, such a bad record will also be disclosed on other loan platforms, so you must carefully maintain your online loan credit, otherwise when you encounter an economic crisis again, you will not be able to obtain online loan products with good personal credit.

Extended Information: What are the consequences of overdue online business loans?

1. Charge overdue penalty interest: If there is an overdue behavior in the use of online merchant loans, then the platform will charge the borrower overdue interest, and under normal circumstances, the overdue interest of online merchant loans is charged according to the times of normal loans, and the longer the overdue time, the more penalty interest exists.

2. Personal credit damage: After the online business loan is overdue, all the overdue records will be uploaded to the central bank's credit information, and if the personal credit is overdue, it will have a very big impact on future loans.

3. Collection: When the online business loan is overdue, the loan platform will take collection measures against the user within a reasonable and legal range, and if the borrower cannot be contacted, then it will directly contact the emergency contact.

If the online merchant loan is turned off because the money is not repaid, you can take the following actions:

1.Determine what you owe: Find out how much you haven't paid back and how long you have to go.

2.Contact customer service: Get in touch with the customer service team as soon as possible to explain your situation and seek a solution.

3.Provide a repayment plan: Provide customer service with a detailed repayment plan, including the amount you will be able to repay each month and the schedule. Try to show your willingness and ability to repay.

4.Negotiate an extension or reduction: Negotiate with the customer service of the online merchant loan to extend the repayment period or apply for a partial reduction. Explain your financial hardship or unexpected events to negotiate more lenient repayment terms.

Summary: If the online merchant loan is closed without repaying the money, contact the customer service department in time and provide a detailed repayment plan. Negotiate with customer service for a deferral of payments or request a waiver, and consider seeking professional help to deal with the situation.

1.The online merchant loan itself is closed and cannot be recovered.

2.MYbank is MYbank.

For small and micro businesses.

Business loans launched by individual entrepreneurs.

It is a pure credit loan without collateral and guarantee issued based on the operation and credit status of the operator, which is safe and reliable, fast and flexible in borrowing and repayment.

3.In [Alipay] - [My] - [Online Business Loan] you can see your online business loan limit. If you need authorization on the page, click Agree to the agreement and view the limit, and then click Borrow money. You can also apply for an MYbank loan.

4.If you don't see the online merchant loan entrance in [Alipay] - [My], or the prompt after clicking it says that it does not support opening and using it temporarily, it means that your account is currently unable to open online merchant loan, and it is recommended that you pay attention to it in the future. Whether the online business loan can be opened is comprehensively evaluated by the system from time to time, and manual intervention cannot be made.

5.If you can't open an online business loan, you can consider Alipay borrowing.

There are big brand credit products such as money to spend. 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 for money is transparent, the big brand is reliable and the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

Extended Resources: Principles.

The principle of three sexes"It refers to safety, liquidity, and efficiency, which are the fundamental principles of commercial banks' loan operations. Commercial Bank Law of the People's Republic of China.

Article 4 states:"Commercial banks take safety, liquidity, and efficiency as their operating principles, and practice independent operation, self-risk, self-responsibility for profits and losses, and self-restraint. "

1. Loan security is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to lend according to a predetermined term, or quickly realize the ability to cash out without loss to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for the continuous operation of the bank.

For example, if a long-term loan is issued at a higher interest rate than a short-term loan, the efficiency is good, but the loan term is longer, the risk increases, the security decreases, and the liquidity becomes weaker. Therefore,"Three sexes"There should be harmony between them, so that there will be no problems with the loan.

Operating environment: Huawei Mate30, Alipay: version

Summary. If you are sure that you want to close the online merchant loan, the borrower first needs to find the online merchant bank service account through Alipay's search function, and after entering the service account, find the "loan button" in the upper left corner of the page. After clicking the button, find the online business loan entrance in the pop-up window, enter the online business loan page, click the "Repayment" button in the upper right corner, find your online business loan application record on the repayment page, and select cancel.

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Hello, according to the customer service of MYbank, the borrower cannot manually close the MYbank loan by himself, and can only apply for closure through the customer service of MYbank. And before closing the online business loan, the borrowed loan must be paid off in full, otherwise it cannot be closed. Each person only has one chance to open an online business loan, and after closing the online business loan, it will not be able to open it again, so everyone must consider carefully before closing.

If you are sure that you want to close the online merchant loan, the borrower first needs to find the MYbank service account through Alipay's search function, and after entering the service account, find Liang Haochi's "loan button" in the upper left corner of the page. After clicking the sock button, find the online business loan entrance Oak Plum in the pop-up window, click the "Repayment" button in the upper right corner after entering the online business loan page, find your online business loan application record on the repayment page, and select cancel.

You can also search for MYbank in China, enter the official website of MYbank, log in to the account of the company, and cancel the MYbank loan in the loan application form. Call the customer service of the merchant bank** to cancel the online business loan, but you need to explain the reason why you want to cancel the online business loan.

If the loan has been approved or disbursed, the online merchant loan cannot be cancelled, and you can only choose to repay the loan in advance. After using Alipay to cancel the online business loan many times, the credit rating may be lowered by the system and the qualification to apply for the online business loan may be lost. Canceling online business loans may affect one's personal credit history, especially if it is a breach of contract.