Unicom Xiaoxinhua is a loan product audited by the system. Generally, it takes about half an hour to approve the amount after submitting the application. However, after applying for the quota, the payment may not be successful. There will be a second audit when the loan is formally signed, and there is also a probability that the loan will be rejected if it fails.
If renewing the loan later shows that the loan is risky, then it is actually the same as declining, and you can't apply again in a short time. If the subsequent qualifications change, you can also try to apply, and there is a small probability that you can successfully apply for the next paragraph.