Because there are too many applications in a short time.
Many people think that only expiration will make us cyber hackers. In fact, if there are too many applications in the short term, the online lending platform will think that we are at risk of overdue, so we will be marked as online hacking.
It is very simple to verify whether you are online black. Just look at your online black index score and it will be displayed intuitively.
The scale of Cyberblack Index is: 0- 100. The lower the score, the better the credit. When the score reaches 80, it is already a black household.
It is also easy to restore the normal network black index score. After waiting patiently for 1-3 months, you can return to the normal cyber black index score.
If you borrow online loans for a long time, you must pay attention to your online loan data report to prevent yourself from becoming a black household because of blind application.
Open Alipay and click Search: Zhiyi Information Technology.
Click Query to view our online loan data report, online loan black index score, online loan application record and hit risk warning.
Among them, the hit risk warning can help us better understand why it was rejected by the online lending platform.
Alipay has never been overdue and has a good credit. Why can't I use it right away?
Because Alipay's loan is based on credit information, Alipay's loan evaluation criteria are also based on credit information. Although Alipay's loan has been used well and has not expired, it may be that the credit card or loan has a bad record, so it cannot be used here.
The use of the reserve fund depends not only on your use and repayment, but also on your credit status in the whole network. If many loans or other platforms are overdue, it will also affect the use of these, so it is necessary to know whether there are other loans overdue.
Extended data:
First, I usually don't borrow:
When you meet the loan opening conditions within a certain period of time, the system will automatically open it for you. Excuse me. I gave you a quota, too. But you haven't used this quota since it was opened, and the platform will think that you don't need to occupy this quota, so your loan may be closed.
2. Bad credit record:
Whether it is a credit card or an online loan, try not to overdue it. During the period of using ant to borrow money, there are overdue records, or loans overdue has not returned credit cards. Alipay attaches great importance to personal credit, which is also an important reason why many people are blocked. In this case, credit can only be re-accumulated, and there is still a chance to reopen after the bad credit record is automatically eliminated.
Third, often prepay:
There are not a few friends who are blocked for prepayment, because prepayment will affect your compliance. It was originally divided into six installments, but it only took you a few days to repay the loan, so it may be closed.
Fourth, too much debt:
Authorizing too many small loans with sesame credit will make Alipay think that you are short of money and your personal risk is too great. Closing the loan can avoid this high risk.
5. Use Alipay tx
Mainly refers to flowers, tx.
If you use the flower garden maliciously, it will seriously touch the bottom line of Alipay after being discovered, and then shut down the loan, and then bear legal responsibility. There is no good solution to this reason. Stop malicious use first, then immediately pay off Bai Hua's debts, and then use Alipay normally to re-accumulate credit, which has a certain probability of reopening.
6. Expired documents:
Whether the authentication materials can expire, such as whether the ID card can expire, has happened to many people. The ID card has expired, and then the function of Alipay can't be used. Re-apply for an ID card and re-certify, and you will return to normal.
Seven, other reasons:
For example, you frequently modify your personal data, change your mobile phone number, or use Alipay infrequently, or even conduct illegal transactions through Alipay. , which may cause the loan to be closed.
There are too many applications for online loans, but they are not overdue, and the repayment is completed according to the contract. How long will it take for this situation to return to normal?
Under normal circumstances, the network will automatically return to normal after five years, and the five-year number of online loan information will automatically eliminate the online loan record.
Online loan black households refer to online loan black households and blacklists, referred to as online loan black households, and generally refer to people on the online loan blacklist.
Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report.
The specific time when cyber hacking attacks return to normal depends on which online loan has been hacked. The credit information system of different online loans is different, and the most serious consequence is the credit information system of the central bank.
After becoming a cyber hacker, it will take five years for the central bank's credit information system to return to normal. After five years, the bad information of online loans will be automatically eliminated, but it will not return to normal until new overdue records are generated.
Extended data:
The elimination method of loan network black;
1. Take the initiative to pay off all network loans owed, and pay overdue penalty interest according to regulations. For friends who want to eliminate the black network of loans, it is most important to return the arrears, otherwise all efforts will be in vain.
2. Get in touch with the online loan platform, tell the other party why they owe money and try to get the other party's understanding. After that, users with cyber hacking can ask the other party to delete themselves from the blacklist.
3. Be sure to repay your other online loans in full and on time, and avoid defaulting on the loan again.
Has become a bad consequence of online loan black households:
1, online loan black households will be banned by most online lending platforms, and online loan black households will often be rejected. Even if the Internet is lucky enough to lend, the loan interest rate is high and the corresponding loan amount is low.
2. Some loan platforms will share information related to cyber hackers with private credit information systems, such as sesame credit score and koala credit score. Once the lender's private credit point appears negative information, it will have a negative impact on its job search and online shopping.
Baidu encyclopedia-credit card blacklist