1, Bai Hua, the credit products connected with the sesame credit-related reserve fund and the central bank's credit information system are overdue. Because the loan is also related to Sesame Credit, it is connected to the central bank's credit information system, so when the overdue situation of other loans is recorded in the credit information report and submitted to Sesame Credit, it also indirectly affects the loan borrowing.

2. Due to illegal cash withdrawal, credit scoring and other high-risk operations, account risks increase. Therefore, the system controls the risk of the account, which naturally limits the borrowing.

3. The background system is in the state of upgrading and maintenance, and the borrowing service channel is temporarily closed. After the system is upgraded and maintained, it can resume normal use.

4. Frequent borrowing recently leads to long borrowing time and high personal debt ratio. Therefore, the system is worried that customers' economic life is unstable and their repayment ability is insufficient.

5. Personal credit is poor, and the user has not experienced overdue behavior in the process of using the loan. There are not only repayment records of borrowers, but also records of other loan products in the central bank's credit information system. If other loans overdue, will also cause bad credit.

6. Sesame credit is reduced, and whether it can be used depends on the results of system evaluation. In addition to the borrower's current comprehensive credit status, the borrower's sesame score on Alipay is also one of the evaluation factors. If the borrower defaults on Alipay credit products after the loan is opened, the sesame credit score will be reduced if it is overdue.

Will the loan automatically increase the amount?

I will. However, the automatic increase of the quota is based on the timely repayment and good credit accumulation of users. At this time, the platform will conduct an evaluation. If the evaluation is qualified, the platform will automatically increase the quota.