Recently, Lao Ma has been very kind to me. The day before yesterday, Hua Bai raised the quota, with a general quota of 37, yuan and an exclusive quota of 14, yuan by stages (I closed it, and I will take the initiative to share it myself).

yesterday, I borrowed money and raised my quota, which directly increased by 5, yuan. Now the quota is 9, yuan, and the daily interest rate has dropped to 3, yuan (why not 2, yuan? I don't know), borrowing+spending is always * * * 1 thousand.

why can I raise my borrowing and spending money? In the past less than a month, I personally tested the following things.

first, use the loan

last year, the capital turnover was not open, and 1 thousand yuan was badly needed, so I borrowed it from the loan and paid it back in full in a few days. Borrowing and withdrawing money has a lot to do with this. There is a demand for use and it can be repaid in time.

Second, put money in Yu 'ebao

I put 15, yuan in it, and I put it out in less than a month, and I earned some interest.

something worth learning: ensure that the account balance (preferably Yu 'ebao) has a certain amount, the more the better, and keep it for more than three months without any big change.

1. This means that you have a relatively stable capital flow;

2. When Huabai repays, it will be repaid directly from Yu 'ebao. In this way, all your funds and consumption behaviors are circulated in the Alipay system. Do you think Alipay is happy?

3. Conversely, if the amount in your balance treasure or balance changes greatly, you will think that your funds are unstable and it is easy to have an accident by lending you a large amount; Secondly, I'm worried about your spending. I have no money to pay back.

Third, give priority to the payment with flower buds

Before that, I used WeChat, but now I give priority to the payment with flower buds (My Page-Settings-Payment Settings). If necessary, it is beneficial to pay in installments occasionally. Friends who used to like to pay by WeChat have to change their positions!

1. The sesame score of zfb is a score to evaluate your consumption behavior. The higher the score, the greater the chance of increasing the quota. Moreover, the role of ZFB in the financial field is indeed far greater than that of WeChat, so it is right to use it more when spending.

2. Some people say that what's the difference between using flower buds and using Yu 'ebao to pay? Personally, I think it is different. Using more flowers means that you have a great desire to consume, and there will be the possibility of staging in the later stage, and zfb can make money; Yu 'ebao attracts a lot of retail funds. If the amount in Yu 'ebao is reduced, the corresponding available funds will be reduced, which is not conducive to the development of Yu 'ebao.

fourth, set the change to be automatically transferred to the balance treasure

I also set this recently. And then as long as there is income, it will be transferred to Yu' ebao. Alipay likes this kind of behavior very much. With positive financial management behavior and consumption behavior, you are a quality user.

V. Buying a wealth management fund

Participating in some fund wealth management businesses of Alipay can show that you have spare funds to use, and Alipay also likes this behavior very much.

after laying the groundwork for the above key points, keep repeating these habits for 1-2 months. If you want to borrow money, you must remember to repay it in time. Your user portrait label in zfb is probably like this:

1. There is a loan demand, and this loan has a clear purpose and destination;

2. There is demand for installment consumption;

3. moreover, the repayment can be made on time and not overdue;

4. Stable account amount, so that you may be able to raise the limit.

The above are my personal experience and skills, which I hope will be useful to you. Finally, I would like to remind you that some people who force the withdrawal on the Internet are liars!