1, loan product regulations
Before applying for a loan, you need to carefully check the official website Help Center or consult customer service to ask if the product is recycled. It means that the loan can be continued after the loan is finished, and some products are subject to one-time quota. For example, Baidu has the money to spend a large amount of exclusive loans, which is to give a quota after the evaluation. No matter how much the remaining amount is borrowed, it is invalid. After all settlement, you need to apply again.
2. Restore the line after repayment.
In addition to the above revolving line, if the loan is not fully repaid, only a part of it is repaid, you can still apply again, depending on whether the loan product will restore the line.
For example, Baidu Quanyi Loan, which has money to spend, will restore the quota immediately after partial repayment. Of course, it will not be restored due to credit, delay and other reasons, but as long as the quota is restored, it can be borrowed again, which is a very good function.
Extended information: 1. Bank flow is interrupted.
If the bank card tied to the loan is a salary card, there is a fixed flow every month, but recently you changed your job and your salary was transferred to other cards, and the flow of the bank card became less, so it is easy for the system to misjudge that you are unemployed.
2. Other platforms have bad records.
You repay on time on this platform, and overdue on other platforms. If the overdue records have been recorded in the credit information system, it is easy to refuse to apply for a loan again.
3. Improve its own debt ratio.
After the last loan application, you applied for money from several loan platforms at the same time, and your debt ratio is rising. The loan platform will think that your overdue risk is increasing. After the application, the platform will also inquire about personal credit information. The more times, the more unstable it is.
4. Irregular repayment.
The repayment period is overdue, or the repayment is near the last repayment date. In this case, it is easy to assess that your overdue risk is high. Here, I suggest that it is best to repay the loan regularly, and don't delay it because of forgetting.
Baidu Encyclopedia-Renewing loans without repayment