花呗、借呗额度下降甚至被关闭？提前还款有错？网友：是太有钱
支付宝上面的功能很多，有蚂蚁花呗还有蚂蚁借呗，功能几乎就是一个信用卡一样，可以让你进行提前消费，在你需要钱但是手里没钱的时候帮你周转，很多的年轻人都是比较喜欢这个功能的，所以很多人都说没钱就找马云借，也就是蚂蚁借呗这个功能了，这个功能确实帮助了很多缺钱的年轻人来周转，但是也有人表示自己的借呗被关闭了，这是因为什么呢？
要知道，支付宝的借呗被关闭还是有原因的，因为马云也不会随便就给你关闭你的蚂蚁借呗的功能的，那么为什么会这样呢？有的网友听说别人借了钱，之后没有用到，就提前把钱换上了之后支付宝扣了十二元的手续费，但是借呗功能也是没有收到任何的影响的。
就有网友提出了反驳，因为自己也是急需用钱，就从支付宝上面的蚂蚁借呗借了几万块钱，用完了之后也是提前还款，结果没想到支付宝的借呗功能就被关闭了，还有网友表示自己的也是使用借呗借钱之后也是提前还款了，但是虽然说这个功能没被关闭，但是上面的额度却是被下降了不少，甚至直接下降了一半，自己没有过逾期的情况，征信也是非常不错的，那么为什么要给她下降额度呢？
因为会考虑到风险的原因，所以说有些人的借呗被关闭也是可以理解的，支付宝借呗被关闭可能因为下面的三个原因。
首先第一个原因就是提前还款，因为支付宝也是需要盈利的，如果说你提前还款了，支付宝就是赚不到你的钱了，之后肯定是会把你的借呗给关闭，因为还能够提前还款说明你也不是很需要钱，再者就是没有赚到你的钱，就把你的功能给关闭了。
其次就是支付宝违规操作，因为在使用支付宝的过程中，如果说有相应的违规操作，这个时候支付宝风险控制部门也是会认为你这个人存在相应的信用风险，之后也是不会主动把钱借给你，甚至严重的可能会关掉相应的功能。
第三个就是个人信贷记录了，如果说使用信用卡，并且还有车贷房贷等等，还有逾期记录的话，也就是证明你的个人征信记录是不太好的。
现在是不是知道了为什么有的时候支付宝会把一些用户的借呗给关闭了呢？那么你的借呗有没有使用呢？对此你有什么看法？
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