What happened when the online merchant loan quota was recovered?

What happened to the sudden disappearance of the online merchant loan line? Reasons for the suspension of online merchant loans

Online commercial loan is a personal commercial loan product in Alipay. This product is launched by online merchant bank, which can meet the capital turnover needs of small and micro business owners and self-employed individuals. Some friends will encounter some problems in the process of using online business loans, such as user feedback, and their online business loan quota suddenly disappeared. What's going on here?

Online merchant loan is a personal business loan product launched by online merchant bank. At present, the product is open through the official invitation system. The system will make a comprehensive evaluation of Alipay users' accounts from time to time. When the evaluation results meet the conditions for opening online business loans, open online business loans for them.

The credit line we get after opening the online merchant loan is not fixed. The system will evaluate the user account usage and user credit status from time to time, and adjust the online merchant loan amount according to the evaluation results. Once the evaluation results do not meet the requirements of online business loans, the system will recover the online business loan quota.

Usually, there are several reasons for the sudden disappearance of online merchant loan lines:

1. There is a problem in the operation of the store. Online business loan is an operating loan product for small and micro business owners, self-employed individuals and entrepreneurs, so the comprehensive evaluation will depend on the user's store operation. If there are problems such as the decline of running water and score in store operation, it may lead to the withdrawal of online business loans.

2. overdue behavior. As a credit loan, online merchant loans require higher personal credit of borrowers, and only users with good credit have the opportunity to open online merchant loans. If everyone fails to do this in the process of using credit products such as online business loans and loan treasures, it may lead to the suspension of online business loans.

3. Don't use online business loans for a long time. A friend has opened an online merchant loan, but has never used it. In this case, the system may think that the user has no demand for online business loans, so the amount may be refunded.

The above are the common reasons for the sudden disappearance of online merchant loan lines. When the online merchant's loan amount is recovered, how long it can be recovered depends on the results of irregular comprehensive evaluation in the later stage of the system. The system will make an irregular comprehensive evaluation of the user's account. When the evaluation results meet the conditions for reopening the online merchant loan, the system will grant the quota according to the user's personal comprehensive situation.

How long has the online merchant loan line disappeared and recovered?

If the online merchant loan line disappears, how long will it take to recover, depending on the specific situation: if the line is frozen due to overdue repayment, it is necessary to pay off the overdue debt quickly, and then patiently repair the damaged credit information and accumulate more good records. It may be that after three to six months of credit support, the quota will gradually recover. If the quota is withdrawn due to shop violations, points deduction and other reasons, it will take some time to run the store well, and it is estimated that it will take at least half a year to restore the quota.

The sudden disappearance of the online merchant loan line is due to the fact that users have not passed the irregular comprehensive evaluation of the system. Online merchant loans do not support users to actively apply for opening. The system will comprehensively evaluate the qualification and credit of Alipay users. When the evaluation results meet the requirements, it will automatically open an online merchant loan for it. And with the use of the account, the system will make a comprehensive evaluation of its account from time to time, and adjust the online merchant loan amount according to the evaluation results. Once the evaluation results do not meet the requirements of online business loans, the system will recover its amount, so the sudden disappearance of online business loans is the result of irregular comprehensive evaluation by the system.

How long it takes to restore the online merchant loan line depends on the irregular comprehensive evaluation in the later stage of the system. After the irregular comprehensive evaluation results of the system meet the conditions for reopening online business loans, it can be resumed online. How many people and how long the specific line can be restored cannot be manually intervened. It is suggested that everyone pay attention to maintaining the store operation and improving personal credit, which will help to restore the quota.

What happened to the sudden disappearance of the online merchant loan line?

Online business loan is a famous online loan product, which has attracted many friends to open it. A friend who is hungry reported that the online merchant loan quota suddenly disappeared. In order to answer the doubts of these friends, I would like to introduce to you the reasons why the online merchant loan quota suddenly disappeared. Don't worry about the loan amount anymore!

1. If you find that your online merchant loan quota suddenly disappears after paying off the online merchant loan, it is probably because you violated the contract in the process of using the online merchant loan, for example, you did not repay the loan as agreed, or the loan was used beyond the scope stipulated in the contract.

2. When you find that your online merchant loan quota suddenly disappeared, you should immediately check whether your loan and credit card have been returned in full and on time. Once the loan or credit card is in arrears for a long time, it is very likely that the online merchant loan quota will be cancelled.

I don't know how to check online merchant loans with Alipay. Look: online merchant loans can be checked like this.

3. For Taobao shopkeepers, the online merchant loan amount suddenly disappeared, which is probably due to problems in their online store operation. If there are a lot of bad reviews, returns, exchanges, etc. At its outlets, it may cause online merchant banks to cancel online merchant loan quotas.

4. Online merchant banks often evaluate users' comprehensive information, and once they find that users' scores can't meet the use standards of online merchant loans, they will cancel the online merchant loan quota. For example, if users lose their jobs, their income decreases and their property declines, the online merchant loan line will suddenly disappear.

Although the online merchant loan line can still be used but does not want to be used, it can be closed like this: How does Alipay close the online merchant loan?

Here are four reasons why the online merchant loan amount suddenly disappeared, hoping to answer your doubts.

Why did the online merchant loan quota suddenly disappear?

The reasons are as follows

1 There is something wrong with the user's reputation, such as overdue credit card, bank or other platform loans overdue;

Violation of this contract, such as failure to repay the loan as agreed, or the use of the loan is beyond the scope stipulated in this contract;

There is something wrong with the operation of the online store. The most targeted group of online merchant loans is Taobao shop users. If the online store is getting worse and worse, it will also be monitored by the system;

4 If the rating drops, online merchant banks often evaluate the comprehensive information of users. Once the user's rating is found to be below the use standard of online merchant loans, the online merchant loan quota will be cancelled.

The reason why Alipay's online merchant loan line suddenly disappeared is roughly as above. You can compare what you belong to. If it is not for the above reasons, you can find customer service under the consultation of online business loans to find out why the amount in your account is missing. After the online business loan quota is gone, you can choose to cancel the account in time, or you can find out the reason and apply for restoring the quota.

Operating environment: Alipay version 2.3.00 Huawei nova7

1. If you find that your online merchant loan quota suddenly disappears after paying off the online merchant loan, it is probably because you violated the contract in the process of using the online merchant loan, for example, you did not repay the loan as agreed, or the loan was used beyond the scope stipulated in the contract.

2. When you find that your online merchant loan quota suddenly disappeared, you should immediately check whether your loan and credit card have been returned in full and on time. Once the loan or credit card is in arrears for a long time, it is very likely that the online merchant loan quota will be cancelled.

3. For Taobao shopkeepers, the online merchant loan amount suddenly disappeared, which is probably due to problems in their online store operation. If there are a lot of bad reviews, returns, exchanges, etc. At its outlets, it may cause online merchant banks to cancel online merchant loan quotas.

4. Online merchant banks often evaluate users' comprehensive information, and once they find that users' scores can't meet the use standards of online merchant loans, they will cancel the online merchant loan quota. For example, if the user loses his job, his income decreases, and his property declines, the online merchant loan amount will suddenly disappear.