The netizen borrowed 170,000 yuan, and he was not allowed to borrow 60,000 yuan just after borrowing, and now he can only pay it back.
In recent years, with the rapid development of Internet finance, people's lifestyles have also undergone tremendous changes. On the Alipay platform, there are two very popular services, namely Huabei and Borrow. These two services have been favored by the majority of netizens, which has facilitated people's consumption and borrowing needs. Recently, some netizens reported that his borrowing amount reached 170,000, but after borrowing 60,000, the lending function was suddenly turned off, and now he can only repay.
Let's take a look at this netizen's situation. When he used the loan, the amount at the beginning was very low, only a few thousand yuan. However, through multiple credit purchases and repayments, he gradually improved his credit rating, thus obtaining a borrowing limit of 170,000 yuan. After he only borrowed 60,000 yuan, he turned off his lending function, so that he could only repay the loan. This left him very confused and confused, not understanding what the reason behind it was.
For this netizen's situation, we can analyze it from many aspects. First of all, we start with the basic situation of Huabei borrowing, and also make a brief introduction to the related products.
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1. Ant Huabei. When it comes to Huabei, everyone is no stranger, the essence is a traditional credit card, a financial tool to help users solve short-term economic difficulties, after this month's consumption, it will be repaid next month, and it also supports installment repayment, up to 12 installments, but it should be noted that installments need to pay a handling fee. It is not difficult to get the quota, and if the sesame score is greater than 600, you will have the opportunity to get the quota, which can reach up to 60,000.
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Second, ants borrow. Borrowing is also a consumer credit tool that everyone uses more frequently, and when people need cash flow, they will use borrowing to alleviate economic difficulties. It is not difficult to get the quota, and if the sesame score is greater than 650, you will have the opportunity to get the quota, which can reach up to 200,000, and you can get thousands to tens of thousands for the first time. It should be noted that if the loan is not repaid within the time limit, the loan will be closed.
Clause. Three, moreGold Bag. and moreGolden bag is currently a popular consumer credit product, and borrowing, you can get cash if you have a quota, through the WeChat public platform to provide a quota, the general credit score greater than 400 will have the opportunity to get more than 30,000, up to 200,000, often need to turnover users are more friendly, temporarily not reflected in the credit system, relieving the pressure of users.
So, why did this netizen have such a situation?This netizen may have borrowed too much money in a short period of time, which is beyond the risk control scope of the Huabei borrowing platform. When setting the loan limit and lending frequency, Huabei Borrowing will evaluate and control according to the user's credit status, repayment history, consumption Xi and other factors. If the user's borrowing behavior does not meet the platform's risk tolerance, then the borrowing may be closed.
The netizen may have over-borrowed behavior when using borrowing. After he borrowed 60,000 yuan, he may not have repaid the loan on time, or even overdue or in arrears for a long time. Such behavior will seriously affect his credit history and credit rating, causing the Alipay platform to downgrade his credit rating, and eventually lead to the closure of the loan. Therefore, when using borrowing, we should develop good repayment Xi, avoid excessive borrowing, and maintain a good credit history in order to obtain a stable borrowing amount for a long time.
There are other cases where the borrowing is closed. For example, users provide false information, are involved in illegal and criminal activities, or participate in unscrupulous lending behaviors. These will touch the security red line of the Alipay platform, so that the borrowing will be closed, and the user can only repay the loan.
The reason for the closure of the netizen's loan may be the excessive amount of borrowing, excessive borrowing and other illegal operations. When using borrowing, we should pay attention to controlling the amount of borrowing, abide by the rules of the platform, maintain a good credit history, and avoid illegal operations to avoid the borrowing being closed.
As the title of the article advocates, we should consume rationally and avoid excessive borrowing. As a financial service, borrowing provides us with convenient channels for consumption and borrowing. If we blindly pursue consumption and borrow large sums of money without thinking, we may end up in a debt trap. Therefore, we should consume rationally according to our financial ability and avoid excessive borrowing to ensure our financial health and continuous improvement of quality of life.
All in all, netizens have a loan of 170,000 yuan, but after borrowing 60,000 yuan, the lending function was turned off, and now they can only repay the loan. This can be caused by excessive borrowing amounts, excessive borrowing and other irregularities. When using borrowing, we should pay attention to controlling the amount of borrowing, maintain a good credit history, and avoid illegal operations, so as not to close the borrowing. The most important thing is to advocate rational consumption and avoid excessive borrowing to ensure personal financial health and continuous improvement of quality of life.