Excuse me, how did you apply for opening?

Speaking of Alipay, I believe everyone knows that there are two popular products in Alipay, namely, ant flower buds and ant borrowing buds. Most Alipay users have opened the ant flower bud function, but not many users have opened the borrowing bud. So how can ants borrow it to open it? Is there any way to actively open the borrowing bud?

Borrowing is a credit loan product, which can be used to borrow cash. There are certain threshold requirements for opening loans. First of all, Alipay users must be over 18 years old and have a real-name authenticated Alipay account. Secondly, the sesame credit score of Alipay users must be above 600 points. These two conditions are only the threshold conditions for opening the lending system. Whether it can be opened depends on the comprehensive evaluation results of Alipay usage and credit behavior of all users of the lending system.

Alipay users can open the mobile phone Alipay, click "Ant Borrowing" on the Alipay page, and then click "Experience Now" on the borrowing page to open the borrowing page. If the user is still qualified to open the loan page, the loan page will display "No credit limit for the time being".

There is no reason to borrow it.

1, registered and certified in real-name registration system

Many people say that when I registered my Alipay account, I was certified by the real-name registration system. How can I not have real-name authentication? Here, I suggest you open Alipay and authenticate your real name. If the identity information is perfect, then there is no problem.

2. There are overdue records.

There must be no overdue record for the flower buds, otherwise it will be difficult to open them. The credit status of users is the most important thing for microfinance products such as borrowing and borrowing. Once there are overdue records, it will seriously affect the performance of users in the system credit evaluation.

3. Alipay is not active

It is difficult to get a loan if you don't use it often. From the data point of view, many online small consumer loans use big data to evaluate users' credit status, so if users are not active, Alipay does not have enough data to judge users' credit status.

The following methods help to open a loan.

1. The balance of the balance treasure or account has a certain amount, and it has remained unchanged for more than three months.

Explanation: this point means that you have a relatively stable capital flow; In addition, combined with article 3, after spending money frequently, you can pay back the money directly from Yu 'ebao. This means that all your funds and consumption behaviors are circulated in the Alipay system, so you say whether Alipay is happy or not. On the other hand, if the amount in your balance treasure or balance changes greatly, first of all, Alipay is worried that your funds are unstable and prone to accidents. Second, you can't automatically deduct the money you spend, which is even more worrying that you can't repay the flowers.

2. Pay with Alipay, and give priority to payment with Huabai. Some people will like to use payment, red envelopes and so on. You can use payment, but I think if you are a consumer behavior and want to increase the quota, you really need to use Alipay. I have analyzed it in previous articles, such as Alipay's sesame score, which is a score to evaluate your consumption behavior. The higher the score, the greater the chance of raising the amount (how to calculate the sesame score, who has the high score? )。 Moreover, the role of Alipay in the financial field is indeed far greater than that of Alipay, and it is right to use it more when spending.

3. Use more flowers to repay, and occasionally repay in installments when necessary, which is conducive to raising the amount.

Some people say that there is a difference between paying with flowers and paying with Yu 'ebao. Personally, I think it's different.

Yu 'ebao has attracted a lot of retail funds. You can earn interest by saving money. Of course, the more you invest, the more money you can use behind Yu 'ebao. If the amount in the balance treasure decreases, the corresponding available funds will also decrease. It is not conducive to the development of Yu 'ebao.

Then the payment form of using flower buds is actually beneficial to flower buds. The more you use it, it proves that you have the desire to spend in advance. The greater the probability of your future installment, the greater the probability of Alipay making money, which is beneficial to the flower garden. Therefore, if it is the same consumption form, it is recommended to give priority to the use of flower buds for deduction. Because people who love to pay with Yu 'ebao and people who love to pay with flowers are different from Alipay's user portraits.

Specific operation: You can set your own deduction order as the first flower bud, so that every consumption can be paid directly with the flower bud. (My Page-Settings-Payment Settings)

4. Don't be overdue.

Whether you use flowers or borrow them, don't be overdue. Because, no matter which lending platform is the most taboo, users have overdue behavior. So, if you want to borrow money to increase the quota; Not overdue should be the most basic ethics.

The above is the introduction of "borrowing quota". In short, there will be no signs before the withdrawal. As long as the system conducts a comprehensive evaluation once a month and the comprehensive score of the user account meets the withdrawal conditions, it will automatically withdraw cash. It should be noted that the amount of loans cannot be manually intervened, and those who say that money is given to increase the amount of loans are liars, so we must be vigilant.

What are the loans with similar loan lines?

BAT has launched its own credit brand. Micro-loan and spending money like water are similar loan platforms, because they both have strong platform background and strength, and have the advantages of reliability and low interest rate.

Money Flower is a consumer credit service brand launched by Xiaoman Finance (formerly Baidu Finance). Relying on the core technology of Xiaoman Finance (formerly Baidu Finance), it has strong technical strength. Money to spend-full of easy loans, providing users with a maximum amount of 200,000 yuan.

Click on the measurement below, and the maximum loan can be 200,000 yuan.

Rich smart applet