Borrowing is welcomed by many people because of its high amount, installment repayment and convenient use. However, there are also users who have used loans and found that their loan quota is gone when inquiring about the loan quota. But there was a quota before, so it can be used normally. Then why borrow it, and suddenly there is no quota?
The maximum loan amount is 300,000 yuan, which belongs to a high range among credit service products, and the loan amount is very convenient to use, so users can apply as long as they meet the standards. However, many borrowers said that their original loan quota suddenly disappeared.
Then why borrow it, and suddenly there is no quota? In view of this problem, it may actually be caused by the following reasons:
1, not used for a long time. Users who can open loans are all eligible for loans. Once the user has opened a loan, but has not used it for a long time, the loan system will determine that this product is useless to the user and will close the user's loan quota. When users check their loan amount, they will find that their loan amount suddenly disappears.
2. Poor credit. The loan system judges whether the user is qualified according to the relevant data of Alipay, especially the user's usage in Alipay. Once the user has bad credit, such as overdue repayment, the loan system will think that the user's credit is poor, which will reduce his sesame score and close the user's loan quota.
3. The borrowing system has been updated and upgraded. When borrowing needs to be upgraded or updated, the borrowing system will be unstable, the user's borrowing quota will be closed, and the user will find that his borrowing quota suddenly disappears.
4. There are irregularities. No violations are allowed, such as tx.
. As long as the lending system thinks that the user has these conditions, it will judge that the user's personal situation is poor. So the user will lose the loan amount.
Generally speaking, except for the loan itself, the above reasons are related to the personal needs and comprehensive situation presented by users. When one of the loan itself, the user's personal needs and the user's comprehensive situation is not up to standard, the loan system will recover the quota and the user's loan quota will suddenly disappear. Therefore, users should pay attention to whether they have the above situation when the loan amount suddenly disappears.
What is the reason for the sudden disappearance of the loan amount? Common cause analysis
Borrowing is a kind of daily interest-bearing credit product. Lending Bao has many users who have applied for loans, so this loan platform is still relatively well-known in the market. Recently, some users found that the loan amount suddenly disappeared. What is the reason? Let's look at the analysis.
What is the reason for the sudden disappearance of the loan amount?
1. There is a record of overdue repayment. Not only the equipment of Alipay wallet, but also the loans from loans overdue, other websites and bank credit cards. If there is a loans overdue, it may lead to the ant borrowing being shut down. Because now formal loans are generally for credit reporting, once loans overdue happens, it will endanger personal credit reporting. So, if this happens, you can take a look at it for the first time and see if you have any personal credit left in loans overdue.
2. Don't borrow it with ants. The key fixed income of borrowing is the user's loan interest. If the loan is opened, it will not be used, indicating that the customer has no loan demand or is not short of money. Naturally, ants expect to give the insufficient credit line to those who need it more.
Today's debt is too high. In addition to borrowing loans from ants, if customers borrow too much from Alipay credit cards and other microfinance service platforms have high loan quotas, the service platform will feel that the customer's debt ratio is too high. In order to better mitigate the risk of loans overdue, customers are not allowed to borrow a lot, which is likely to be reduced or closed.
Come on, suddenly there are no places. What's going on here?
The opening of the debit card is decided by the system based on the comprehensive evaluation of the user's Alipay account.
When the evaluation results meet the loan conditions, the system will open the loan qualification for users. Of course, the closure of the loan is also determined by the system evaluation. The loan system will evaluate the user's account from time to time. When the evaluation results do not meet the borrowing conditions, the system will close the user's borrowing. Usually, there are several reasons why there is no loan line:
First, common institutional reasons.
1, is it operating in a strange network environment?
If the Alipay system detects high risks, it will automatically freeze the amount of flowers, loans, online business loans, etc., so as to avoid the loss of users' funds caused by the scammer's application for quota transfer after the user's account is stolen.
High-risk environment: such as connecting unfamiliar wifi with a master key, connecting other people's hotspots, changing WiFi networks, etc.
2. Have you changed the bound mobile phone or device recently?
If the mobile phone number has been changed recently, or a new mobile phone has been changed, it needs to be re-bound or verified. There will be a buffer period after passing, and it is possible that the system will temporarily freeze the loan amount.
In a word, if it is the above two cases, just wait a few days to recheck the loan amount. Alipay has a lot of consumption and use, and there is a great chance that it can regain the loan amount.
Second, personal qualifications have changed.
You can recall what new changes have taken place recently.
1, financial assets. Have the financial investment products been cashed out recently? Have the funds and balances in Yu 'ebao been transferred recently? Do you still hold insurance fund stocks?
2. reputation. Check the negative record of Sesame Credit. There may be overdue default records that you don't know, so you should appeal to eliminate them in time.
3. The debt is too high. Alipay system may detect that your recent loan application amount is high, and it will automatically close the loan amount.
Data expansion
Five ways to restore the loan amount
1, improve personal information. Supplementing the personal information in Alipay, complete personal credit is helpful to improve the sesame credit score, and one of the necessary conditions for opening a loan is that the sesame credit score is above 600, so the higher the sesame credit score, the better it is to open a loan again.
2. Use Alipay more. Whether it's water, electricity, gas, shopping, online shopping, etc. , you can pay with Alipay. The stronger the personal consumption power, the stronger the economic strength. Good economic strength is conducive to the opening of loans.
3. Deposit some funds into Yu 'ebao. Lending treasure is a credit loan product, and only users with repayment ability have the opportunity to open lending treasure, so putting some funds in Yu 'ebao allows the system to detect the financial status of users.
4. Use the flower bud function more. If the ant flower buds are opened, you can use them more and keep a good repayment record.
5. Alipay is bound with a credit card. Use Alipay's "credit card repayment" function to repay the credit card on time.
Excuse me. What happened when the quota suddenly disappeared? These are the main reasons.
Borrowing is actually a loan service in Alipay. Generally, you need a sesame credit score of 600 or above to apply. As for the application amount, it ranges from 1 1,000 to 300,000. However, some netizens said that their loans suddenly disappeared when used. So, what happened to the sudden disappearance of the loan quota? I will answer your question today.
First, the issue of personal credit.
When using a debit card, the system will monitor it in real time, so the system will assess your account risk at any time. If your debit card limit suddenly disappears, it may be because the debit card thinks that your account is too risky to continue to use during the audit and monitoring.
Lending treasure official also said that the system will always pay attention to the customer's usage and will evaluate it from time to time. If the assessment is risky, the loan will be suspended.
Second, system failure.
If you inquire about the loan amount, but the page shows that you don't have the available amount now, you can quit first and try to log in again, because sometimes the amount can't be displayed due to system reasons.
Third, advance payment
Because borrowing is a loan service, it is impossible for borrowing to make a profit by charging interest if it is repaid in advance when using the loan. If the loan feels unprofitable, it is likely to close your quota, so your quota will be gone.
The above is about "How did the loan amount suddenly disappear?" The answer. If your debit card suddenly disappears during use, it may be because the system evaluation thinks your account is risky, it may be because you always repay in advance, or it may be because the system is out of order.