In modern society, with the rapid development of Internet finance, various lending platforms have sprung up. Borrowing, as a credit lending product under Alipay, is favored by many users because of its convenient and fast characteristics. However, not all users are aware that borrowing also has its own shutdown criteria. If you touch these red lines, you may be at risk of having your account closed. Today, let's take a look at those situations that must not be touched. 
Late repayment is the most direct cause of the closure of the loan. Whether it is a bank or an online lending platform, the most important thing is the credit status of the borrower. If the user fails to repay the loan on time after using the loan, it will not only leave a personal credit stain, but also may cause the account to be suspended or permanently closed due to the violation of the repayment clause in the usage agreement. Therefore, maintaining a good repayment record is essential to keep your debit account safe. But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient. 
Frequent quota adjustments are also a risk. Some users may frequently apply for a limit increase because they are in urgent need of funds, or try to borrow multiple times in a short period of time. This kind of behavior will be regarded by the system as having a high credit risk and is likely to attract the attention of the risk control department. After all, lending platforms prefer to see stable and reasonable borrowing needs, rather than blind and disorderly capital turnover. Disinformation and fraud are even more taboo. Some users may provide false personal information or financial information in order to obtain a higher loan limit or successfully pass the review. This practice is not only illegal, but once discovered, not only will the borrowing account be closed immediately, but the user may also face legal liability. 
The use of borrowings for non-everyday purchases may also result in account closure. The purpose of borrowing is to help users solve short-term cash flow problems, not to use it for investment**, gambling or other high-risk activities. Once abnormal trading behavior is discovered, the platform has the right to take measures to restrict or close the account. The user's other credit behaviors will also affect the use of the loan. For example, overdue credit cards, bad borrowing records on other platforms, etc., will become the basis for evaluating your credit status. A good credit history is key to maintaining the health of your debit account. As a convenient borrowing tool, borrowing brings convenience to users, but also requires users to abide by certain rules and credit standards. Avoiding late payments, not adjusting your limit frequently, not providing false information, using your borrowing for reasonable spending, and maintaining a good credit history are all guidelines that every borrower should keep in mind. Only by doing this, can our borrowing road go further and more stable. Remember, use borrowing rationally, cherish personal credit, and make your financial life better.