Why doesn’t my Ant Borrowing limit increase?

1. Because my credit score is not enough.

There are two ways to increase the borrowing limit:

1. Actively apply for a limit increase: The system will provide an entrance for users who meet the conditions to actively apply for a limit increase based on the usage of the account. , you can see it on the borrowing page. Because there are many dimensions for system evaluation, there are currently fewer users who are willing to actively apply for a quota increase.

2. Automatically increase the borrowing limit: Based on your borrowing usage and account status, the system will make a comprehensive assessment of the account from time to time and automatically increase the borrowing limit without manual intervention.

2. Contents related to borrowing money and raising the amount

1. Modified to "Jibei" is a loan service launched by Alipay. According to different Sesame scores, users can apply for loans The amounts vary. The maximum repayment period for Borrowing is 12 months, and the daily loan interest rate is 0.045%. You can repay as you borrow. On January 9, 2018, some user accounts were actively closed to control loan balances due to excessive leverage and violation of relevant central bank regulatory regulations. At present, the consumer loans launched by e-commerce giants are mainly for installments in consumption scenarios on the e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of raising the limit: deposit 15,00 money in Yu'e Bao or Zhaocai Bao (regular), and you can basically withdraw it after 10 days, usually on the 1st to 10th; download the MYbank app on your mobile phone, and then deposit the money to Yu Libao, 10,000 yuan + deposit for one month can basically be lent + 10,000 yuan consumer loan from online merchant bank.

2. Make multiple purchases and maintain the frequency of borrowing. Only by spending more can the bank make money, and the bank will give you a quota to make money. Diversified consumption means spending in different places and choosing different merchants to enrich your bills, such as restaurants, shopping malls, supermarkets, gas stations, entertainment venues, etc. Banks like users to swipe their cards in such formal places. Having too few merchants will make the bank suspicious of your consumption behavior, and even think that you are suspected of fraud. A variety of consumption, 25 small amounts, 3 medium amounts, and 1 large amount every month, this is the 25+3+1 method of increasing the amount. Multiple transactions with small amounts indicate stability, and occasionally large amounts indicate the need for a limit. Alipay’s Zhima credit score is 723. I always use Alipay to make purchases. Why is my Huabei borrowing limit only 3,000, and it has not increased in two years?

1. You must use Ant Huabei to pay, and you will repay on schedule next month, and the limit will be increased gradually.

2. If you use Alipay multiple times to bind credit card consumption and repayment, a certain amount will be increased. Or use Borrowing to settle payments multiple times, and make monthly payments. A certain amount will be increased at the beginning, and the amount will be increased gradually as the amount increases.

3. Zhima Credit is an independent third-party credit reporting agency under Ant Financial. It objectively presents personal credit status through cloud computing, machine learning and other technologies. It has been used in credit cards, consumer finance, financial leasing, It provides credit services to users and merchants in hundreds of scenarios such as hotels, rentals, travel, marriage and love, classified information, student services, and public utility services.

4. On November 22, 2017, Sesame Credit announced an initial investment of 1 billion yuan to promote more merchants to waive deposits for users with good credit through the introduction of insurance, operational incentives and other methods. .

5. Zhima Credit is a social-oriented credit service system. Based on all aspects of information, it uses big data and cloud computing technology to objectively present personal credit status, and allows everyone to experience it by connecting various services. The value brought by credit.

6. Zhima Credit Score is a product of Zhima Credit Management Co., Ltd. It is a credit score obtained by Zhima Credit Management Co., Ltd. after processing, sorting and calculating the currently collected personal user information. The score range is It ranges from 350 to 950. The higher the score, the better the credit level. A higher Sesame score can help individuals obtain more efficient and better services.

7. Zhima Credit stated that whether it is an institution or another person, if you want to check Zhima Credit score, you must obtain the authorization of the user. In addition, the credit evaluation is directly presented in the form of scores to protect individuals. specific credit information and privacy.

8. During the public beta period, Zhima Credit has negotiated cooperation with partners in many fields such as car rental, house rental, marriage and visa, etc., and will soon provide experimental services. For example, in the future, when the user’s Zhima Credit reaches At a certain value, it is expected that you will not need to pay a deposit when renting a car or staying in a hotel, you can try before buying when shopping online, you will not need to apply for a deposit certificate when applying for a visa, etc. Why haven’t my Alipay borrowing and Huabei limits been increased for more than half a year? What's going on? I have never been overdue, and my sesame points have not improved. I am heartbroken

1. Use it less

If you use Huabei too few times, the system will judge you The consumer demand is too low. In the long run, not to mention raising the quota, even a reduction is possible.

2. Low Zhima score

The application condition for Ant Huabei is that the Zhima score is above 600, so its essence is actually a Zhima loan. The higher the Zhima score, the better. The higher your credit level, Alipay will increase your Huabei limit accordingly, and vice versa will reduce your Huabei limit.

Extended information

How to quickly increase your Huabei quota

1. Complete your personal information. You can complete your academic qualifications, salary unit and other information. The level of the Bai limit has a great relationship with the Zhima credit score. The higher the Zhima credit score, the higher the Huabei limit will be. Improving personal information will help improve the Zhima credit score, thereby achieving the purpose of increasing the Huabei limit; < /p>

2. Use Alipay more to shop on Taobao and Tmall malls, and try to use Alipay to pay when making offline purchases, so that Alipay will think you have strong spending power.

3. It is best not to change Taobao’s delivery address frequently. Huabei is a consumer loan product. Generally, loan products require the borrower to have a fixed residential address. The system also evaluates the user’s credit score for all fixed residences. An important piece of information;

4. Alipay binds bank cards and credit cards. If you bind a bank card, you can transfer money through the bank card to prove your financial resources. If you bind a credit card, you can use Alipay's credit card repayment function. Pay off your credit cards and maintain a good repayment record.

5. Historical credit record is also an important factor affecting Zhima Credit Score, but do not bind too many credit cards. If there are too many credit cards bound to Alipay, the system will think that the user has more debt. Naturally, users will not be given excessive Huabei quotas. Why does Ant’s borrowing limit remain unchanged? These operations will help increase your quota!

Jiebei is a pure credit consumer loan. Unlike other online loans, Alipay is a tool that everyone uses every day. Daily life habits will affect the activation and limit of Jiebei, so there is no need to provide With additional information, you can get a loan quickly. However, the borrowing limit is very confusing. Some people have never changed it. What is going on? The main reason is that Alipay is not active enough, the usage rate is too low, and your credibility and financial resources have not changed significantly, so it is a good thing that the loan balance has not been reduced, let alone increased. So what should be done specifically?

1. Balance or financial management If you want to increase your Ant Borrowing limit, it is recommended that you have a certain balance in Yu’e Bao or your account, and keep it for more than three months without major changes. This means you have a stable capital flow. , in case the loan or Huabei debt is overdue, Alipay can directly deduct the repayment from the balance or financial management, reducing the risk.

2. Use more Alipay, Taobao shopping, third-party payment, investment and financial management, etc. These consumer behaviors will greatly increase activity, which is conducive to increasing the amount of Ant Borrowing. If you feel that frequent loans are not good, then you can try Use Huabei more. After all, Huabei does not require interest, as long as you repay it on time. It is recommended that you set Huabei as the first payment order, so that you can pay directly with Huabei every time you make a purchase.

3. Change will be automatically transferred to Yu'e Bao as long as there are expected profits. Alipay likes this behavior very much, which proves that you have financial awareness and the intention to save.

4. Buy funds for financial management. Participating in some of Alipay's fund financial management services can show that you have spare funds available.

5. Credit card repayment Finally, if you have a credit card, it is recommended to bind it to Alipay and use Alipay to repay the credit card every month. People with credit cards generally have good credit and your monthly repayment amount is It can reflect consumption power.