Why can't I borrow money if I have a quota? Today, Pratt & Whitney's Xiaobian will come to talk to you about why.

1. Is there any overdue record?

At present, all major online lending platforms are basically connected to the credit information system. If users have overdue behavior on other platforms, their personal credit risk may increase, which may affect future loans and lead to the possibility of refusing or suspending loans.

In the era of big data, credit is the most important guarantee for everyone to borrow. No matter what platform you are on, you must protect your personal credit and repay on time.

2. Have you been spending a lot recently?

If the user has recently spent a lot of money or overspent, such as buying luxury goods, houses, cars, etc. Without sufficient assets and income to support it, it may affect the repayment ability evaluation results. In this case, even if it is not overdue, there is a risk of not being able to borrow money.

3. Do you often apply for loans on other platforms?

If users apply for a large number of credit cards in a short period of time or frequently apply for loans on multiple platforms, credit institutions may suspect that the user's capital chain is fragile and there is a high risk of overdue, and the quota is likely to be locked.

4. Does it involve submitting false information?

Users provide false information when applying for loans. In this case, even if the initial loan amount is obtained, there will be problems in the subsequent institutional audit. Therefore, when applying for a loan, the information must be true and effective, whether it is mobile phone number, ID card or other needed information, it must be consistent with the applicant's real information, and you must not take any chances to cheat!