I have a borrowing limit, why does it show that the loan failed when I can’t borrow?

Borrowing clearly has a limit but I can’t borrow it out

What’s the matter with borrowing that I have a limit but I can’t borrow it out? The reasons why I have a borrowing limit but I can’t borrow it out are as follows:

Borrowing has a limit, but the loan cannot be borrowed and the loan fails, which is related to the following reasons: the user's comprehensive rating is insufficient; the receiving bank card status is abnormal; the bank channel is under maintenance; the wheel chain of the borrowing system is busy; the Alipay account status is abnormal , there are certain risks. The user has a borrowing limit. If the last loan call failed, he can resubmit the loan application.

Since the loan to Alipay balance is credited in real time, users can choose to loan to the balance. In this way, after the loan is successful, it is also possible to withdraw the money to the bank card.

When everyone is short of money, I use no less than 10 loan products. To sum up, I still recommend Du Xiaoman (formerly known as Baidu Finance) for the following reasons: 1. Compared with the invitation system of Jiebei and Weilidai, you can actively apply if you have money to spend. 2. The maximum limit is 200,000, the minimum annualized rate is 7.2%, and the account is credited in 3 minutes. It is already very easy to use; 3. It is a formal and large platform, so you don’t have to worry about routines;

4. Generally, the review of formal products is relatively strict. Although it is easy to use, it is difficult to apply, and it is the same if you have money to spend. However, I asked for an exclusive application channel from internal staff, and the purchase rate is very high, so it is the most recommended product among the products. There is no one, since I recommend it to everyone. Now, I will also provide the exclusive application channel. Friends in need can just apply by themselves. Why did the Jiebei loan fail?

It is probably due to the following reasons: 1. The customer’s credit is not good. For example, the recent repayment is overdue; 2. The amount of the loan applied for exceeds the prescribed limit, and the general borrowing amount is only a few thousand yuan; 3. The account risk is high, which may be due to the customer's violation of regulations tx

, Risky operations such as score brushing; 4. There are problems with account security, such as expired authentication information, being stolen by others, etc. If you have a borrowing limit but can't borrow it, and it's not for the reasons mentioned above, you can consult the online customer service in Jiebei.

1. Borrowing users have applied for loans on Jiebei before and successfully obtained the loan. Suddenly, these borrowers failed to apply for loans on the online loan platform. The main reason is that Jiebei will issue loans to borrowers from time to time. Conduct review and evaluation. When the personal qualifications of these users change and the user does not meet the platform's loan standards, the Jiebei platform will no longer lend to this user. There is no human intervention in the Jiebei system review. Only borrowers who use Alipay frequently and develop good personal credit can help themselves to successfully open the loan.

2. Jiebei will review the account security of Alipay users. If it detects that there is a risk in the user's account, it will not provide borrowing services to these users. Because some users frequently change their mobile devices, the Alipay platform does not obtain comprehensive user information and will not provide loan services to these users for the time being.

3. How to solve these problems 1. If the personal information or assets of borrowers have recently changed, resulting in insufficient comprehensive scores of these users, then the users need to improve their personal credit. It is recommended that these users can Use various functions on the Alipay platform and wait for the system to re-evaluate users.

2. If the network environment of the borrowing user is very poor, which leads to the failure of the loan, it is recommended that these users apply for loans in some places with better network environment.

4. The accounts of Alipay users may be in an abnormal state, causing these users to fail to apply for loans on the platform. It is recommended that these users consult the platform’s manual customer service to learn the specific reasons. For example, these borrowing users can change their payment passwords in a timely manner to ensure the security of their accounts.

If users want to apply for loans more smoothly on online loan platforms, these users need to pay attention to the platform's review status at all times. Jiebei can help many borrowing users solve loan problems. When applying for loans, these users must also understand the details of the platform. Jiebei has a quota, why can't they borrow?

1. Abnormal status: Check to see if your borrowing status is normal, such as whether it has been frozen or suspended, etc.

2. Insufficient comprehensive score: Jiebei will conduct comprehensive evaluations of user accounts and usage from time to time. If there is overdue payment, early repayment, infrequent use of Jiebei or Alipay, etc., it is likely that The overall score will be lowered. If your current comprehensive score is insufficient, you will have quota and cannot use it.

3. System problems: For example, borrowing applications are too popular and many people are rushing to grab them, which will cause the system to be busy, system errors, etc., and there will also be quotas that cannot be borrowed. However, you only need to quit and borrow again. As long as the overall score is not insufficient, there is no big problem.

The above is the relevant introduction to "Why can't I borrow money if I have a limit on Ant Borrowing? Learn about the reasons why I can't use it." All in all, the main reason why I can’t borrow money if I have a credit limit is because it has not passed the comprehensive evaluation of the system. If I want to continue using Jiebei, I hope you keep your Alipay account active and use Jiebei more. Huabei, Yu’e Bao and other products, and pay back on time.

Borrowing has a limit, but the loan cannot be borrowed and the loan fails, which is related to the following reasons: the user's comprehensive rating is insufficient; the receiving bank card status is abnormal; the bank channel is under maintenance; the borrowing system is busy; Alipay account status Abnormal, there are certain risks. The user has a borrowing limit. If the last loan failed, he can resubmit the loan application.

Credit loan (former name: Jiebei) is a loan service launched by Ant Financial Services Group [1 based on Alipay. According to different Sesame scores, users can apply for different loan amounts. Jiebei The maximum repayment period is 12 months, and the daily loan interest rate is 0.045%. When borrowing, users can choose to lend to their Alipay account and the bound savings bank card for personal consumption, decoration, and travel. etc.

In November 2021, the name of Jiebei has been changed to "Credit Loan", and it is clearly stated that the service is provided by a bank.

Credit Loan is a loan service launched by Alipay. , the application threshold is a Zhima score of 60Q or above. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 300,000 yuan. The maximum repayment period for Jiebei is 12 months, and the daily interest rate is 0.045%. Borrow and repay at will.

In November 2021, Alipay’s Jiebei changed its name to “Credit Loan” and clearly stated that the service will be provided by a bank. Jiebei is gradually promoting brand isolation in the future. Jiebei will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by banks and other financial institutions will be displayed on the "Credit Loan" page. During the brand isolation process, the user's service experience will not be the same. Will be affected, and the core processes such as activation, accounting, interest calculation, and loan repayment will not change. Borrowing failed

It shows that the loan failed, which is related to the following reasons: the user's comprehensive rating is insufficient; payment collection. The bank card status is abnormal; the bank channel is under maintenance; the borrowing system is busy; the Alipay account status is abnormal, and there are certain risks. The user has a borrowing limit and the last loan failed, and he can resubmit the loan application.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees on a time limit for repayment.

Bank loans generally require the provision of guarantees, house mortgages, etc. Only those with proof of income and good personal credit can apply.

Credit conditions

1. Credit limit

The credit limit is stipulated in the agreement between the borrower and the bank. The maximum limit that a borrower is allowed to borrow.

2. Revolving credit agreement

A revolving credit agreement is a bank's legal commitment to provide a loan agreement to an enterprise not exceeding a certain maximum limit.

3. Compensatory balance

The compensatory balance is calculated by the bank requiring the borrower to maintain a certain percentage (generally 10% to 20%) of the loan limit or actual borrowing amount in the bank.