1. Bad credit investigation: Happy Second Loan of Changsha Bank is a bank loan on the one hand and a credit loan product on the other. This kind of loan products have strict credit requirements for applicants. If there is an overdue personal credit record, the loan application cannot be passed.

2. Insufficient repayment ability: The Happy Second Loan of Changsha Bank is a credit loan, and there is no need to provide mortgage, so it will pay more attention to the applicant's repayment ability, and it will also be rejected in the case of unstable income or high debt.

3. Incomplete information: The application information submitted when applying for a loan is incomplete, and Changsha Bank cannot comprehensively evaluate the applicant.