1, there is overdue behavior, in addition to the borrower's income reduction, there are also dishonesty and so on. , will lead to a reduction in online business loans.
2. After the opening of the online merchant loan, it has not been used, which will also lead to a decrease in online merchant loans. Because this makes the loan amount occupied, but does not get the corresponding income, the online merchant loan will transfer the amount to the lender who can generate income.
3. Online business loans often have prepayment, which will also reduce the amount. If the repayment is made in advance, the platform will lose part of its income and the quota will be reduced.
4. If you find that your online merchant loan amount drops or 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, such as not repaying the loan as agreed, or the use of the loan is beyond the scope stipulated in the contract.
5. If the limit drops, immediately check whether the recent loans and credit cards 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.
6. For Taobao shopkeepers, the online merchant loan quota suddenly disappeared, which is probably due to problems in their online store operation. If there are many bad reviews, returns, exchanges, etc. Recently, in their outlets, online merchant banks may cancel the online merchant loan quota.
7. Online merchant banks often evaluate users' comprehensive information. Once the user's score is found to be lower than the online merchant loan use standard, the online merchant loan quota will be cancelled. For example, if users lose their jobs, their income decreases and their property declines, the loan amount of online merchants will drop or suddenly disappear.
Credit will be collected at the online business loan meeting, so you must repay the loan on time after handling it, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the delay, the more penalty interest will be generated, and the online business loan will be collected after overdue repayment. The common collection method is to call the borrower until the user returns it.
It should be noted that after the overdue credit report, even if the user returns the arrears, this overdue record will remain in the credit report for 5 years, and will disappear automatically after 5 years, or it will be recorded all the time. Bad personal credit information will affect all kinds of loan applications.
In order to avoid not being able to repay the online merchant loan on time, users must measure their repayment ability when borrowing, and only when their income is relatively high can users borrow with confidence. If you don't have much personal income, you should handle the loan carefully at this time to avoid the subsequent failure to return it on time.
Users can choose different repayment periods when borrowing through online business loans, and the longest period is 24 months. After borrowing money, users can repay it at any time according to their income. Different users need different conditions when borrowing money. For example, Alipay customers must be 18-65 years old when borrowing money, and must have a good credit record.