1 There is something wrong with the user's reputation, such as overdue credit card, bank or other platform loans overdue;
Violation of this contract, such as failure to repay the loan as agreed, or the use of the loan is beyond the scope stipulated in this contract;
There is something wrong with the operation of the online store. The most targeted group of online merchant loans is Taobao shop users. If the online store is getting worse and worse, it will also be monitored by the system;
4 If the rating drops, online merchant banks often evaluate the comprehensive information of users. Once the user's rating is found to be below the use standard of online merchant loans, the online merchant loan quota will be cancelled.
The reason why Alipay's online merchant loan line suddenly disappeared is roughly as above. You can compare what you belong to. If it is not for the above reasons, you can find customer service under the consultation of online business loans to find out why the amount in your account is missing. After the online business loan quota is gone, you can choose to cancel the account in time, or you can find out the reason and apply for restoring the quota.
Operating environment: Alipay version 2.3.00 Huawei nova7
1. If you find that your online merchant loan quota suddenly disappears after paying off the online merchant loan, it is probably because you violated the contract in the process of using the online merchant loan, for example, you did not repay the loan as agreed, or the loan was used beyond the scope stipulated in the contract.
2. When you find that your online merchant loan quota suddenly disappeared, you should immediately check whether your loan and credit card have been returned in full and on time. Once the loan or credit card is in arrears for a long time, it is very likely that the online merchant loan quota will be cancelled.
3. For Taobao shopkeepers, the online merchant loan amount suddenly disappeared, which is probably due to problems in their online store operation. If there are a lot of bad reviews, returns, exchanges, etc. At its outlets, it may cause online merchant banks to cancel online merchant loan quotas.
4. Online merchant banks often evaluate users' comprehensive information, and once they find that users' scores can't meet the use standards of online merchant loans, they will cancel the online merchant loan quota. For example, if the user loses his job, his income decreases, and his property declines, the online merchant loan amount will suddenly disappear.