Sesame is divided into 801, borrowing 120,000 to 1000, netizens will not use it anymore
Nowadays, the pace of life is getting faster and faster, and people's demand for money is also increasing. In order to meet people's needs for convenient and fast turnover, Alipay has launched two products, borrowing and Huabei, which make borrowing simple and convenient through online credit. However, recently, a netizen's sesame score was 801, and the borrowing of 120,000 actually dropped directly to 1,000, which attracted widespread attention and discussion.
According to netizens, his sesame score has been maintained at a high 801 points, and in the past few months, he has successfully obtained a borrowing limit of 120,000 yuan through good spending habits and timely repayment. However, just recently, for some reason, his borrowing limit was suddenly cut, directly from 120,000 to 1,000. For this situation, netizens felt very puzzled and aggrieved, and said that they would not use borrowing anymore.
So, why was the netizen's borrowing amount reduced? This article will come to the topic, first of all, let's start with the rules of borrowing, let's popularize it, and at the same time popularize the current mainstream consumer credit products, I hope it will help you.
Clause.
1. Ant Huabei. Huabei is that everyone likes to use consumer credit products, after this month's consumption, next month, this consumption method gives users a good shopping experience, especially in the case of economic difficulties, Huabei can help people solve embarrassing situations, such as going to the restaurant after consumption, find that the bag is shy, then the use of Huabei can solve this problem very well, and now the vast majority of merchants have supported Huabei payment, which is very convenient.
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Second, ants borrow. Before borrowing has not appeared, when encountering their own turnover dilemma, they are generally looking for friends or banks, and looking for friends to turnover, it is easy to hurt the harmony, and the bank's procedures are more troublesome, and it is also necessary to provide guarantees, many people are discouraged, the emergence of borrowing, a good solution to this problem, so that there is no difficult to borrow money in the world has become a reality, and it is not complicated to get the amount of borrowing, sesame points greater than 650 have a chance, up to 200,000.
Clause.
3. More gold bags. It is also a reference to the sesame credit score, and there are many gold bags, which require sesame points of more than 400, no matter hey, although the gold bag is provided on WeChat through the way of the public platform, but in essence, it is not much different from borrowing, all of which belong to the credit services of the Internet era, with a limit of 20,000 to 200,000, and can be recycled at any time.
After understanding, netizens have recently encountered unemployment and increased debt. The sudden decrease in his borrowing limit is likely due to Alipay's assessment and adjustment based on his spending power and repayment ability. Unemployment has led to a decrease in the netizen's income, and at the same time, the increase in debt has also led to an increase in his credit risk, which has led to a decrease in the amount of borrowing.
So, what are the factors that will lead to the reduction of the user's borrowing limit? Here's a summary.
First of all, the decrease in income and the increased risk of overdue are important factors in the reduction of Huabei and borrowing amounts. When Alipay grants credit to users, it will consider the user's income and the risk of overdue repayment. If the user's income decreases or there is a late repayment, Alipay will reduce their limit to reduce the risk.
Secondly, the long-term non-use of Huabei and borrowing services is also one of the reasons for the reduction of the quota. If the user does not use the two products Huabei and Baobei for a long time, Alipay will consider that the user no longer needs these quotas and will reduce the quota accordingly.
Thirdly, excessive debt is also an important factor affecting the amount of Huabei and borrowing. If users have more debts in other channels, Alipay will reduce their limit to ensure that users can repay reasonably and do not over-borrow.
Through this netizen's case, we can see that there is a reason for the sudden reduction in the amount of borrowing and Huabei. Although borrowing and Huabei provide convenient borrowing methods, we must also treat these quotas rationally and not blindly use and borrow. Rational consumption and reasonable repayment are important factors to maintain good credit, and we should reasonably plan our turnover needs according to our own situation to avoid the risks caused by overuse.