If the loan is interrupted due to risk, it will take about 3-5 days for Alipay to resume the loan. Suggest the customer to check the account security first to see if there is any problem with the bound mobile phone number. It may be that the authenticated identity information has expired, and the customer can try to reset the password and complete the account information. After the system confirms that the account is safe, the customer should immediately try to apply again, and the loan will not be interrupted again.

However, if the personal credit is damaged and the account risk rises due to the recent overdue repayment of credit products under the name, it is estimated that it will be difficult to return to normal in a short time. Customers can only take care of their own credit first (they can participate in some small credit tasks to ensure timely performance, so as to enrich personal compliance behavior and improve sesame credit score). It is recommended to wait for 3 to 6 months before trying to apply.

Of course, it is best for customers to maintain good personal credit at ordinary times, form a good habit of repayment on time, and try to avoid overdue situations, so as not to limit the function of subsequent loans.

Borrowing money is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.

The following is the actual experience of increasing the quota:

1. Deposit the balance treasure or lucky treasure (periodically), and deposit 15000 yuan. It can basically be discharged after 10, usually at 1- 10.

2. Download the online merchant bank app on your mobile phone, and then save it in. You can basically borrow 10 thousand online merchant bank consumer loans a month.

However, there are still netizens who spit out Uncle Ma Yun. One of the reasons why I am not optimistic about these internet companies engaging in finance is that I have not received the experience that these users can't even distinguish interest and handling fees.

This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.