很多人的蚂蚁借呗遭到禁用，你有这样的情况吗
自从互联网界流行做互联网金融开始，各种互联网产品进入人们的生活，也方便了人们的生活。以支付宝为首的蚂蚁花呗和蚂蚁借呗是最典型的例子，花呗和借呗就像一张虚拟的嵌入支付宝的信用卡一样，其实花呗和借呗和信用卡的功能基本上是相同的。蚂蚁花呗是用来消费的，在规定的期限内不计利息；蚂蚁借呗是用来取现的，在使用期间一直都计利息。
众所周知，支付宝拥有大量用户。据统计，支付宝全球用户量已经高达8.4亿，其中有很大一部分人都在使用蚂蚁花呗和蚂蚁借呗。而前段时间，有很多人的蚂蚁借呗遭到禁用，这其中是什么原因呢？
大家都知道，蚂蚁金服有自己独立的信用体系，评价一个用户信用的系数叫做芝麻信用分。芝麻信用分越高，说明这个人的信用系数永高。当芝麻信用分达到一定标准的时候，就会自动获得蚂蚁花呗和蚂蚁借呗的额度。当然，芝麻信用分是随着用户的使用情况而波动的。
当一段时间，根据用户的消费和使用习惯，芝麻信用分低于650分的时候，系统就会判定该用户经济水平较低，无法偿还借款，就会对该用户关闭蚂蚁借呗的额度。当然，特别要注意的是应按时偿还蚂蚁借呗，如果逾期还款，会对个人的芝麻信用分造成不可逆转的影响，甚至有可能会永久关闭。
蚂蚁花呗和蚂蚁借呗两者比起来，蚂蚁金服更提倡大家使用蚂蚁花呗，因为用蚂蚁花呗来消费的钱虽然进入了商家的支付宝账户，但是还是在支付宝账户里，资金并没有流出蚂蚁金服，而且还可以收商家的手续费。很多商家也选择把钱存在支付宝，而不进行提现。如果用户再还款，无疑就是增加了蚂蚁金服的资金。但是对于蚂蚁借呗来说，虽然是收取了利息，但是很多资金都是进行提现使用，这样就对蚂蚁金服造成资金的外流。对于任何一方，借呗都是一种亚健康的方式。
当然，如果没有借呗，很多“聪明人”也会对花呗进行套现，这种行为是我们所不提倡的。利用信用进行消费是一种健康的消费行为，因为个人的消费还是可以得到有效控制的，对整个社会经济的活跃度也有很大提高。总之，关于很多人被禁用蚂蚁借呗的事情，大家还是引以为鉴，毕竟当下是信用社会，谁都不喜欢和信用不好的人打交道。
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