Lending treasure is a pure credit mobile phone loan product. Compared with bank loans, it is more convenient to handle, the next payment is fast, and it is very suitable for office workers who are in urgent need of money. However, it is difficult to open a loan, and it often disappears after opening it. Is there any way to take the initiative to apply for a loan amount? Let's get to know each other.
1. Can ants take the initiative to apply if they borrow it?
Generally speaking, it is impossible. Most people don't apply for the entrance, and Alipay will automatically evaluate the user's qualification and decide whether to grant the loan amount.
However, a small number of users have actively applied for the entrance. Alipay customer service clearly stated that it needs to provide some information:
1, upload your ID card;
2. The purpose of the loan;
3. Educational information, car information, etc.
It can be seen that for some new users, there may be "amazing" performance in spending power, but other personal information is not perfect. Alipay may throw an olive branch and let you open a loan. At this time, you should seize it decisively and quickly supplement your personal information.
In addition, if you usually buy auto supplies on Taobao and browse auto forums, Alipay will also remind you to bind your driver's license and vehicle information, thus giving you a loan amount.
Second, how long does it take to apply for a review?
Unlike the automatic opening of loans, it takes a long time to actively apply for loans.
1, three months working days at the latest, there will be SMS notification, pay attention to keep the mobile phone open;
2. If the active application is rejected, you must reapply after half a year;
3. If the prompt quota has been robbed, it proves that you are eligible for borrowing, but the quota was robbed that day, you can try again after 0: 00.
Excuse me, how can I increase my ant borrowing quota?
There are two main ways to increase the amount of ant borrowing:
1. Actively apply for promotion places:
Ant lending will be used in combination with user bills. For qualified users, you can see the entrance to apply for cash withdrawal on the loan homepage.
2. Automatically increase the loan amount: According to the usage and bill cost of your Ant Loan, Ant Loan will randomly make a comprehensive evaluation of users, automatically increase the loan amount, and the system will make a comprehensive evaluation.
Love installment advertising application fast three-step payment!
There are several ways to increase the amount of ants borrowing:
(1) The credit status is excellent, so don't make overdue repayment;
(2) Pay more with Alipay in daily life and keep account records as much as possible;
(3) Improve personal information, such as educational background and asset information.
How to open it? Actively open ants to borrow calligraphy.
How to open it? Actively open ants to borrow calligraphy.
Speaking of Alipay, I believe everyone knows that there are two products in Alipay that are very popular with people, namely, ant flower buds and ant borrowing buds.
Most Alipay users have opened the ant flower bud function, but not many have opened the borrowing bud. So how can I open the ant to borrow it? Is there any way to actively open the borrowing bud?
Lending treasure is a credit loan product, which can be used to borrow cash. There are certain threshold requirements for opening loans.
First of all, Alipay users must be 18 years old and have a real-name authenticated Alipay account. Secondly, the sesame credit score of Alipay users must be above 600 points.
These two conditions are only the threshold conditions for opening the lending system. Whether it can be opened depends on the comprehensive evaluation results of Alipay usage and credit behavior of all users of the loan system.
Alipay users can open the mobile phone Alipay, search for "Ant Borrowing" in the search bar of Alipay page, then click to enter the borrowing page, and click "Experience Now" on the borrowing page to open the borrowing page.
If the user is still qualified to open a loan, then the loan page will display "No credit limit for the time being".
The loan opening qualification is determined by the comprehensive evaluation users of the loan system, and users are not allowed to apply for opening or withdrawing money. The following skills can improve the chances of users to open loans:
1, Alipay account is bound with about two bank savings cards, which is convenient for the system to cross-authenticate the authenticity of user information;
2. Alipay account is bound with a credit card, and the "credit card repayment" function of Alipay is used to repay the bound credit card. A good credit card repayment record can reflect the credit status of users.
Be careful not to bind too many credit cards. Too many credit cards indicate that users have too much debt, which will have an impact on the opening of loans.
3. Alipay can be used for more consumption, online shopping, offline consumption, mobile phone recharge, etc. Strong consumption power can reflect the certain economic strength of users, and the repayment ability of users with strong economic strength will naturally not be bad;
4. Deposit idle funds into Yu 'ebao, which not only has benefits, but also helps to improve sesame credit score. Higher sesame credit score is helpful to the opening of loans.
How to increase the loan amount of Alipay
1, improve the information, and now update the details of sesame users with page views on the 6th of each month, add information+click to add calendar, passport, company email, vehicle information and Linkedin to help improve the number of people.
2. With the help of bank cards, try to apply for bank credit cards. The more associated credit cards, the higher the credit limit, the more frequently you use Alipay, and the more help you can get.
3, financial management, saving money, thousands of banks know that money can be used for financial management, such as Yu' ebao and Zhaocaibao, so that borrowers know that wealth has increased and Alipay knows it.
4, shopping consumption is king, use this account to recharge, Alipay use the balance to pay as little as possible, refund and return to avoid disputes and complaints. If it is appropriate to talk about it, it is necessary to give the seller a bad review, evaluate Alipay's consumption amount, return records, and the number of conversations with the store, all of which will affect the loan amount.
5. Red envelopes, coupons, and transfers. By using Alipay's transfer function to transfer money to some friends, the accumulated amount of red envelopes is becoming more and more frequent, and the higher the loan amount, the bank hopes to show that the salary flow can enrich the self-help relationship.
6. In terms of using services, Credit Sesame Credit listed several scenarios, including travel (rent-free car rental), accommodation (deposit-free check-in), finance (loan, term), shopping (trial before payment), and social interaction (marriage, making friends).