The reason why I still have a borrowing limit but cannot borrow money is due to the following reasons.

1. There is a problem with the credit report.

Jiebei is a pure credit loan product with strict requirements on credit reporting. If there are bad loan records left on the credit report due to some past overdue behaviors, or long lending records, these These are all things that make Jiebei more worried. In order to control risks, Jiebei will reject loan applications.

If your borrowing fails due to problems with your credit report, there is no good way to solve it. You can only wait for your credit to be repaired before trying to get a loan, which will take a lot of time.

2. Income does not meet the requirements.

When applying for a loan, you need to have a stable and sufficient source of income. This is a guarantee that you can repay the loan on time. If your income does not meet the requirements of the platform, the platform will naturally not be assured of making the payment.

3. The debt ratio has risen too high.

If you apply for other online loan products in addition to Jiebei, resulting in a sharp increase in your debt ratio, in this case Jiebei will worry about future repayment pressure, and in order to control risks, you will not If you know how to make a payment, you need to control your debt ratio in order not to affect your credit activities and to reduce overdue risks.

4. Personal information expires.

You need to upload your own ID card on Alipay and undergo real-name authentication before you can use some of the above functions. If the validity period of the uploaded ID card has expired, then according to compliance requirements, you will not be able to use it. Approved loan applications need to update your identity information in a timely manner.

5. The system is being upgraded.

This situation also exists. In order to provide better services, the platform may update the system. During the update, the borrowing channel will be temporarily closed, which will affect the application for borrowing in a short period of time. In this case In this case, just wait until the system update is completed.

6. Used borrowed money in violation of regulations.

Although the amount above the loan can be withdrawn in cash, it does not mean that it can be taken out and used casually. As a loan product, the loan product itself has a certain scope of use. For example, it cannot be used to manage finances. Or to buy a house, you need to use the credit line within the scope specified in the loan contract.

7. The account is abnormal.

For example, if you frequently change login devices, or are in an unsafe network environment for a long time, in this case, the risk factor of your Alipay account will increase. Naturally, you will encounter problems when applying for a loan. to trouble.

8. Unable to borrow money due to network reasons.

If the network environment you are in when borrowing money is relatively poor, causing the system to be unable to receive loan requests, in this case naturally you will not be able to borrow money smoothly, you can change to a good network environment before proceeding. Apply to borrow.

9. System problems.

Resulting in loan failure. If there are some errors in the system, such as loopholes or network congestion, in this case there will also be a situation where there is a quota but the loan cannot be borrowed. You can wait for a period of time. Apply for a loan again.

You can see that there are many reasons why you have a borrowing limit but can't borrow it. Don't be too anxious if you encounter it. You can first patiently compare it with your actual situation to see where the problem lies, and try to solve the problem. If we solve it, maybe we can get Jiebei back to normal.

Online loan big data can clearly reflect the recent application of online loans by users, whether online loans are repaid on time, whether there is any suspicion of identity information, etc.; you can search for "Xiao Qixin Check", etc. Check with a credit inquiry tool and get a detailed risk report.

Extended information:

What are the consequences of overdue borrowing?

As a formal consumer credit product, Jiebei has very strict requirements. If it is overdue, the platform will take a series of measures and bear the corresponding overdue consequences. Generally speaking, the consequences to be borne are: Here are a few.

1. The credit report will be harmed.

The platform will report the overdue situation to the credit report. Once there is a stain on the credit report, future credit activities and even the application for some positions will be affected.

2. It will be collected by the platform.

In order to protect its own rights and interests, the platform will contact overdue customers by phone or text message to urge them to pay off their debts as soon as possible.

3. Overdue penalty interest will be calculated.

Once overdue, in addition to the normal loan interest, the platform will also calculate overdue penalty interest. The longer the overdue period, the more penalty interest will be generated, and the greater the debt pressure you will eventually bear. .

4. The borrowing limit will be reduced or frozen.

After the due date, it means that the risk has increased. In order to control the risk as much as possible, the platform will naturally restrict the continued use of the loan, so it will limit the loan amount.

5. The platform will require the debt to be settled in advance.

Originally, multiple deadlines were applied for repayment, but after the due date, the platform will terminate the loan contract early and require all arrears to be settled at once in advance, which will increase the repayment pressure.

6. Those who maliciously exceed the deadline will be prosecuted by the platform.

Although under normal circumstances the platform will not sue overdue loans, but if it deliberately defaults on loan repayment, the platform may use legal channels to safeguard its own rights and interests. At this point, it will have to bear greater pressure. .

So you should stay calm when applying for a loan, and do not apply for a loan beyond what your financial ability can cover.