Borrow it often and pay it back in advance, from 1w to 6w, with interest of 20,000 yuan. There is no extra handling fee in advance, only interest on how long it has been used. The reason why you can't get the loan may be that there is something wrong with your credit card or something else, or it may be caused by the evaluation of big data. For example, you are heavily in debt, or big data shows that your economic income does not match your expenditure. It may also be that Alipay has limited funds and temporarily closed the borrowing function of some users until Alipay has sufficient funds. There are many reasons, the most important one is Ali's big data assessment. This is only temporarily closed. What did you do with the money, or did you have venture capital to invest in stocks or something? You have data on your mobile phone. If you assess the risk, you will definitely shut it down.

Is there anything below 1 1.5?

Don't get me wrong, I pay more than a dozen times a month in advance. More than two years have passed, and I have not reduced the quota, but increased it.

Hello, Chu Xiao, futures. As a so-called old man who has been engaged in the financial industry for more than ten years and a national financial planner, I have many years of experience in using Alipay and financing investment. Let me briefly answer this question.

First of all, understand the concept of Alipay.

Alipay (China) Network Technology Co., Ltd. is a domestic third-party payment platform, which is committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world.

Flower buds and borrowing buds are products of Alipay platform.

Secondly, the related concepts of Alipay loan.

Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their March into "internet plus" and providing inclusive finance services to small and micro enterprises and individual consumers through the "Internet Propeller Plan".

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

Third, back to this question: "Why did Alipay repay in advance, or could not borrow money?"

Because of prepayment, Alipay can't receive the original interest, and prepayment is a unilateral breach of contract. According to your loan and repayment, the system thinks that you can't make a profit here. So it was closed. Usually too many times, it will affect the interest rate first, and then turn it off. If you need to reopen, you can open an online merchant bank, and in most cases you can reopen the loan.

In fact, it is easy to explain, but it is not difficult to borrow it again. If you borrow money, it means that you have to pay interest to Alipay, but if you repay in advance, it means that Alipay's interest is much less. You can earn 1000 yuan, but you just let others earn 500 yuan. Will you give it to you?

There is no free lunch in the world, so Alipay opens ants to borrow money. Ants borrow daily interest. At present, installment repayment only provides six months and 12 months. After the loan is over, Alipay will charge one day less interest.

Alipay should not pay in advance, and it is also dishonest for the system. Because your prepayment is equal to less interest and less money in Alipay, which is not trustworthy. Alipay can repay automatically. His money is stored in Yu 'ebao and will be repaid automatically on the repayment date. Therefore, we don't have to pay back the money in advance or manually. Automatic repayment is convenient and creditable, which has the best of both worlds.

Let you see, I left silently. . . .

Often use Alipay, and the repayment amount will gradually increase. I started with 1 0,000, then 60,000,80,000, and finally 1 0,000, with an interest rate of 0.3%. The repayment method is to pay interest first, and friends around me have not recovered the amount after repayment. If I don't wait patiently, I may have it in a few days. The system quota is judged according to your Alipay big data and your credit information. Don't believe in importune. It's all p's.

It was closed once when the quota was 8000. I called customer service and said it would not be closed permanently, but it would be closed after a while, and the time was uncertain. It reopened almost two months later with a quota of 30 thousand.

Interest rates are so high,

The annual interest rate is 14.4%.

There is nothing better than usury.

Usury is illegal. How can borrowing be legal?

You can return it in advance, but you should grasp the time. After my daughter-in-law's loan was opened, it was 3,000 yuan, 6,000 yuan in the second month, 12000 in the third month, 24,000 yuan in the fourth month and 26,000 yuan in the fifth month, and it kept rising. I also gave her a loan.