The credit line of Zhilian Premium Loan was frozen. How should I recover?

The reasons why the notice term loan line is frozen are as follows:

Early repayment leads to the line freezing, and timely loans overdue leads to the overdue freezing of credit information, which leads to the blackening of frozen big data and freezing. If the line is frozen, it is recommended to try to apply again after a while, because the freezing is not permanent and may be automatically thawed after a while. If it cannot be thawed for a long time, there is no other way.

It is normal for the online loan quota to be frozen. But the reason for freezing is generally the above situation. After the quota is frozen, it cannot be used again. Although the interface will show that there are places, you can't apply. In fact, it is the background operation of the platform, so I won't continue to use this quota for you.

Early repayment will lead to the freezing of the quota. The main reason is that after you repay in advance, the platform can no longer earn the interest behind you. For the platform, prepayment is a breach of contract, but many platforms stipulate that prepayment does not charge liquidated damages. Therefore, it will cause the platform to take back the quota for you. The platform will lend the quota to customers who normally repay on time, so that the platform can earn enough interest.

Therefore, prepayment is one of the main reasons for freezing the quota.

It is easy to understand that the quota is frozen because it is overdue. If your loans overdue, or any other credit card with credit information, is linked to loans overdue, the limit will be frozen. Because overdue is the last thing for the platform. Although the platform will charge you liquidated damages and overdue interest after you are overdue, the risk of overdue is still relatively large for the platform. So when you pay off the debt, the platform will not be used by you.

Big data is relatively dark, causing it to be frozen. Generally, it is because your mobile phone number is used abnormally, or you have applied for too many online loans in a short time, whether it is on credit or not. Frequent inquiry of credit information will also lead to the freezing of credit line. After using the term loan, the platform will check your credit information from time to time. When it is found that there are too many inquiry records on your credit information, your quota will be frozen and cannot be used again. The purpose is to avoid risks. For those online loans that do not receive credit information, if you apply too much, the platform can also be queried. Because the platform can query all your application records through the 100-line credit information. As long as there are too many application records, the quota will be frozen.

So to sum up: it is usually your own reason that the loan quota with a good term is frozen. The platform will not freeze your quota for no reason. If the quota is frozen, you can only wait patiently. After the platform thaws you, you can use it normally.