The loan amount that Alipay gives you is 20,000 yuan. First of all, it is certain that your credit or sesame score is high, but now you only have 500 yuan, which means that your daily use is only 500 yuan. For example, the amount you spend each time will not exceed that of 500 yuan, or it rarely exceeds this figure, so there is no need to give you an extra 19500 yuan. It's not that there is something wrong with your credit, but that Alipay has lowered your security protection quota to prevent criminals from stealing your extra funds.