In modern society, the rapid development of financial technology has brought great convenience to our daily life, among which Alipay's borrowing is a popular consumer application fund product. With the advantages of fast approval and flexible repayment, it has become a good helper for many young people to solve their urgent needs. However, not all conveniences are risk-free. For a financial instrument like Borrow, it's important to understand its shutdown criteria. Today, we're going to uncover those red lines that you can't touch.
To be clear, as a financial service, the operation of borrowing is carried out in strict accordance with relevant laws and regulations and the company's internal risk control policies. When there are some abnormalities in the user's account, in order to protect the user's fund security and the stable operation of the platform, the borrower may be temporarily closed or permanently closed.
But many netizens said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people are using the gold on WeChatCow flowersCome instead of borrowing Huabei, the amount given is high and convenient, if you have a small partner who knows or has already opened it, leave it for comment, let everyone open it
What behaviors will cause your debit account to be targeted or even closed? Let's go through them one by one.
First, overdue repayment. This is the most immediate trigger. If you fail to repay your loan within the agreed time, the system will consider your credit profile to be problematic and your borrowing function may be limited. In more serious cases, overdue information may also be recorded in a personal credit report, which can have a long-term impact on your credit.
Second, apply for loans frequently. Some users are in urgent need of capital turnover, so they frequently operate borrowing to apply for loans in a short period of time. This kind of behavior is easy to arouse the alarm of the risk control system and is regarded as a sign of possible problems in the capital chain.
Third, providing false information. When applying for a loan, honest filling in personal information is the most basic requirement. Any attempt to defraud the borrower by providing false information will not only result in the immediate closure of the borrowing service, but also may face legal liability.
Fourth, cash out or transfer money to others. If the system detects that you are using the loan to cash out or frequently transfer funds to others, it may be identified as an illegal operation, which will trigger the account closure mechanism.
Fifth, account security is at risk. If there is abnormal login in your account, there are risks in transactions, etc., in order to ensure the security of your account, you may take measures to suspend the service.