Borrowing is not a platform that can be borrowed at will. It uses big data and a credit scoring system to assess the user's ability to repay, and once it finds that the user has credit risk, it will take measures to close the account. So, what behaviors are considered risk points?
First, late payments are the most direct trigger. If you fail to repay the loan within the agreed time, Borrower will immediately blacklist your account and stop providing further borrowing services. After all, credit is built on punctual repayment. Overdue will not only affect your creditworthiness in borrowing, but also your credit history on other financial platforms.
But many netizens said that it doesn't matter if it's closed, the amount given is not high anyway, 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.
Second, frequent application for borrowing will also be judged by the system to have problems with your cash flow. While occasional funding needs are normal, if you borrow repeatedly in a short period of time, especially if you borrow in smaller amounts and with a shorter term, you may consider your financial situation to be unstable and choose to close your borrowing privileges.
Third, disinformation is an absolute no-no. When applying for a loan, it is important to fill in your personal information honestly. If the system finds that you have provided false personal information or information, not only will your account be terminated immediately, but you may also face legal liability. Integrity is at the heart of financial services, and once trust is lost, it can be very difficult to recover.
Fourth, the abnormal use of linked accounts will also cause vigilance in borrowing. If your account has abnormal transfer behavior or transactions with risky accounts, your account may be restricted or even closed in order to ensure the safety of funds.
In addition to the above points, there are a few other actions that may also lead to the closure of the debit account. For example, if you haven't used a debit for a long time, the system may consider that you don't have a borrowing need and close your accountAlternatively, if your identity information changes and is not updated in a timely manner, you may also be suspended due to discrepancies.
How to avoid touching the shutdown mechanism of borrowing?The key is to maintain a good credit history, manage your finances wisely, and always communicate honestly with financial services platforms. At the same time, always pay attention to the security of the account to avoid leaking the account information to others, because once the account is maliciously used by others, it may also face the risk of shutting down.