Ma Yun's masterpiece "Ant Borrowing" must be familiar to everyone! Ant borrowing is a financial product of Alipay, which has always been favored by users. The threshold for opening is relatively low, and sesame seeds can be opened with a score of 600 or more. Moreover, it is also a convenient unsecured credit loan. The longest service life is 12 months, and the interest rate is 0.45% (floating interest rate), with a maximum of 300,000 yuan and a minimum of 12 months.

Many users are wondering: why don't I raise the amount of my loan, then how can I raise it!

According to the official statement, the size of the loan amount and whether to withdraw it is decided by the official system, and the system will comprehensively evaluate and give the corresponding amount according to the account usage behavior and credit history.

I'll tell you today, and I've summarized eight experiences for your reference:

1, always use the loan, regardless of the amount, and repay it on time to avoid overdue, otherwise the result will be miserable!

2. Alipay client has credit card repayment, transfer and cash withdrawal functions. These functions should be used frequently to improve the frequency of use, and more cooperation with Alipay will naturally have considerable benefits.

3. Do more money exchanges on Alipay, improve your running water and prove your financial resources. If you don't mention the amount, the official is worried about your repayment ability, so let the official rest assured to cooperate with you in this regard.

4. Taobao and Tmall have brought huge user traffic to Alipay. Similarly, the data of Taobao and Tmall will be shared with the official system. The system evaluates the user's use behavior according to the data provided, so Taobao online purchase is naturally indispensable.

5. Pay more attention to "Yu 'ebao", deposit spare money in Yu 'ebao, prove your financial strength, and earn interest and win-win.

6. Alipay users also bring their own "flower garden" function, so they should pay more for their consumption, repay their loans on time and improve their credit.

7. Alipay also includes the ability to pay for life. Daily water and electricity bills can also be paid by Alipay, which will also enhance your qualification, because it will prove that you may have a house under your name and have this ability.

8. Credit is the most important thing. Don't ignore the sesame credit in Alipay. There is a credit management in Sesame Credit, including education background, company email address, professional information, driver's license, vehicle information, real estate information, provident fund, credit card bills and other information. It's also proof of your qualifications. We should also cherish our credit, keep our promises and don't exceed them. Rising credit is the king of wealth.