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 opening threshold is relatively low, and sesame seeds can be opened with a score of 600 or more. In addition, it is also a convenient unsecured and unsecured credit loan in use. The longest service life is 65,438+02 months, the interest rate is 0.45% (floating interest rate), the maximum amount is 300,000 yuan, but the minimum is 65,438+02 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 the account's use behavior and credit history and give the corresponding amount.

I tell you today that I have 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 bring considerable benefits.

3. Exchange more funds 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 also be shared with the official system. According to the data provided, the system will evaluate the user's use behavior, so Taobao online shopping 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 use flower garden more to pay for consumption, repay on time and improve their credit.

7. Alipay also includes the ability to pay for life. Daily utilities can also be paid by Alipay, which will also enhance your qualification, because it will prove that you may have a house in 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. This is also proof of your qualifications. We should also cherish credit, keep our promises and not exceed them. Rising credit is the king of wealth.