Sorry, the quota has been frozen. Is it overdue?

Alipay is temporarily unable to provide loan services.

If you can't borrow money for the time being, it is probably caused by the following reasons:

1. The current loan amount has reached the upper limit.

Loans clearly stipulate that the number of loans used at the same time cannot exceed 50.

Solution:

After paying off several loans, you can naturally apply for a new loan after the quota is restored.

2. Due to overdue repayment, the line is frozen.

1) Failure to repay the loan on time within the prescribed time limit is overdue. It was submitted to Sesame Credit by the system and reported to the central bank for credit investigation, resulting in a decline in Sesame Score and damage to personal credit. So the system froze the quota and closed the account.

2) Alipay flowers, petty cash or other credit products related to sesame credit and access to central bank credit information are overdue, which indirectly affects the loan due to serious overdue circumstances.

Solution:

Pay off the overdue debts, then take the time to maintain credit, accumulate more good records, and then try to borrow money after the credit information is repaired.

3. The account is controlled by the wind.

Because of frequent equipment login, frequent modification of account information, etc., account risk rises, leading to system risk control.

Solution:

Wait patiently for the wind control of the system to end (the duration is about one or two branches a month), and then be careful to avoid such risky operations again.

Excuse me. What if it's overdue?

First of all, answer directly.

If it is overdue, it can be handled from the following aspects.

Second, the specific analysis

1. After loans overdue, users need to confirm whether there is a grace period for repayment during this period.

If the previous user's loan is repaid on time, there will be a three-day repayment grace period during this period.

The overdue time of the user is just within the grace period, and the arrears can be paid off in time.

Repayment within the grace period is not considered overdue by the user.

2. If there is no loan grace period, or the overdue time of the user has exceeded the loan grace period, the user must pay off the overdue debt as soon as possible.

Only by paying off overdue debts as soon as possible can we reduce the negative impact caused by overdue.

3. If the user is unable to pay off the overdue debts, he can call the Alipay customer service hotline and apply to the customer service for negotiated repayment.

It usually takes several calls to negotiate successfully. Please keep calling to negotiate after the negotiation fails.

4. If the negotiation between the user and the borrower is successful, the repayment shall be made according to the negotiated repayment plan.

Many negotiations have ended in failure, and users can only find ways to collect money for repayment.

Overdue loans will have more negative effects, and the longer the overdue time, the greater the negative impact.

In order to avoid the impact on users' daily life after loans overdue, please pay attention to timely repayment in the process of loan use, and pay off overdue debts as soon as possible if you are not careful.

Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on Beijian Quick Check to keep abreast of your big data status. It is an online loan big data query system that provides comprehensive, accurate and complete data information for online loan applicants.

Third, what will happen if it is overdue?

Excuse me, will there be the following consequences if it is overdue?

1, overdue affects personal credit.

(1) affects personal credit information.

Repay on time with the last bill, and repay within 3 days after the repayment date, and personal credit will not be affected.

If the repayment date exceeds 3 days, even if the user is overdue.

After loans overdue, the overdue records will be uploaded to the personal credit report, resulting in poor personal credit reporting.

Poor personal credit information will affect users' subsequent application for other credit businesses.

Most credit businesses need to check the applicant's personal credit report during the application period, so if your personal credit report is poor, you will not be able to apply for most credit businesses.

(2) Impact on online loan big data.

After loans overdue, overdue records will be uploaded to online loan big data, which will lead to problems in big data.

Most online loans will review users' online loan big data when reviewing lenders. When users have problems with online loan big data, they will refuse to lend money to users.

(3) Affect sesame credit.

The default records that lead to the decline of sesame scores will be uploaded to Sesame Credit. If the user fails to repair the default record in time, this default record may cause the sesame score to drop next time.

After the sesame score drops, users may not be able to experience some rights, so it is more useful to keep the sesame score at a high level.

2. Penalty interest will be charged if it is overdue.

After loans overdue, overdue penalty interest will be charged according to the number of overdue days. The penalty interest rate is 65438+ 0.5 times the normal interest rate. The longer the user is overdue, the more penalty interest will be generated.

Moreover, the penalty interest is increasing, which will increase the repayment burden of users.

After the repayment burden increases, users may not be able to pay off debts in the future.

3. During the overdue period, a large number of collections were encountered.

As long as loans overdue, borrowers will encounter a series of collection, including SMS collection and telephone collection.

If the overdue amount is large and the overdue time is long, you can even arrange a collection person to collect it at home.

A large number of collections will affect users' daily life, and friends and relatives around them will also be affected by collections.

4. The borrowing function is restricted.

(1) The loan amount has been reduced.

If the loan is overdue, the system may reduce the loan amount of the loan.

After the loan amount is reduced, users will not be able to apply for large loans, and even affect the subsequent fund planning.

(2) The loan amount is frozen.

When the loan amount is overdue, it may be frozen by the system.

When the loan amount is frozen, users will not be able to use the loan in the future.

Before the credit line is unfrozen, users can't use it normally.

(3) It is impossible to use the loan for a long time.

One of the application conditions for borrowing money is good credit information. When the user's credit record is overdue, even if the overdue debt is paid off, the user will not be able to use the loan treasure for a long time.

Even after the user's personal credit information is restored, the user can use the loan again.

(4) The loan is permanently closed.

When overdue loans are particularly serious, the system may permanently close the loan account.

After the debit account is permanently closed, the user cannot open it again.

5. Flower beds and reserve funds cannot be used.

Loans overdue, will also lead to flowers and petty cash can not be used.

Although the loan amounts of borrowing, consumption and reserve are independent of each other, they are all loan products of Chongqing Ant Consumer Finance.

Once a product has an overdue record, it will definitely lead to the unavailability of other products, because every product of Chongqing Ant Consumer Finance is only provided to users with good credit.

6. Long-term overdue will produce credit stains.

After loans overdue, if the user fails to repay the loan for a long time, the overdue record will become a credit stain.

When the credit information is tainted, it will not only affect users' daily credit business, but also affect users' job search and civil service examination.

Some big companies will check the personal credit report of job seekers when they apply for a job. If a job seeker's personal credit report is stained, he will not be qualified for the interview.

There will be a political examination in the civil service examination, and the political examination needs to inquire about the user's personal credit report. A tainted credit report will also affect the results of political review.

7. Serious overdue cases are prosecuted.

When the overdue situation is serious, the borrower may sue the user.

After the user is sued, the personal credit will be further damaged, and the court will definitely judge the user to repay.

Come on, suddenly there are no places. What's going on here?

The line of borrowing suddenly disappeared. If you want to return to normal, you must first find out the reason why the line disappeared. Users can check their recent loan repayment details and sesame credit scores to see if there are any bad records, or directly inquire about credit information. If you can't find out clearly, you can also consult Alipay customer service. And find out the reason, you should take corresponding measures to solve the problem in time:

1. If it is found that the repayment is overdue, the line will be frozen: it is necessary to pay off the overdue debts quickly, and then patiently repair the damaged credit information and accumulate more good records; And you can usually participate in the credit task launched by Sesame Credit, enrich personal compliance behavior and improve Sesame Credit score.

2. If it is found that the account has a credit score, it violates the rules tx.

Bad behavior or risk control caused by changing equipment login and frequently modifying data: pay attention to avoid such risky operations in the future, and then wait patiently for the end of risk control.

3. If it is found that it is a system maintenance upgrade, all loan channels will be temporarily closed: as long as the system maintenance upgrade is completed, it will naturally resume immediately.

Sorry, it's frozen. How to thaw?

1. If overdue repayment leads to freezing, it may not be able to unfreeze quickly. After paying off the arrears in time, users need to spend time patiently to repair the damaged credit information and accumulate more good records. They may have to wait three to six months for the credit period to resume use.

2. If there are bad behaviors such as swiping an account, illegally withdrawing cash, or due to frequent modification of account information, login of general equipment, etc., the risk control is frozen. It may not be thawed for a while, so you need to wait patiently for the wind control to end, and then pay attention to avoid such risky operations again. The system is usually evaluated every other month or so, so it may take two or three months.

3. If the loan channel is closed after the system maintenance and upgrade, it can be resumed immediately as long as the system maintenance and upgrade. The time of system maintenance and upgrade is uncertain, which may only take a few minutes or hours, or it may take several days.