With the popularity of mobile payment, flower beds have become an indispensable payment method in many people's daily lives. Friends who have used flower buds know that flower buds, like credit cards, are not fixed. Alipay will make regular adjustments according to your credit status and usage. If it goes up, it will naturally decrease. It is observed that after entering 2023, there are indeed many users whose flower beds have been greatly reduced, and they are all concentrated in a certain period of time, mainly because of these two points:
1. Strengthen supervision: In 2023, China Banking and Insurance Regulatory Commission successively issued a number of regulations to control the scale of Internet financial loans. For example, the amount of personal consumption loans cannot exceed 200,000, and microfinance companies may not issue Internet financial consumption loans to college students. Therefore, many financial platforms, including Alipay, have adjusted users' credit lines.
2. Personal qualifications: There are some problems in the personal qualifications of users, such as the overdue use of financial products in Alipay, the low activity of Alipay accounts, and the use of flower buds to cash out, which will lead to the decline of users' comprehensive scores, thus affecting the final loan amount.
In a word, Alipay's system will evaluate and adjust the amount of money from time to time. What everyone needs to do is to maintain good lending behavior and let Alipay see everyone's willingness and ability to repay. If the user's credit limit is reduced, we can check whether there is a problem from our own identity, usage and credit requirements.