I believe many friends have received phone calls or text messages asking if they need a loan. For most people, they just drag a few words to finish, but for those who are just in a hurry to use money, they will immediately ask how to operate, right? But sometimes it backfires. Obviously, they invited me to take the initiative to borrow money, but they were rejected in the end. What is the reason? Next, let's take a look.

1. is a marketing method.

Phone calls or text messages are just a way for loan companies to promote marketing. Many apps also invite friends to promote their apps. They may not send you messages, but they will certainly lend you money when they call. Every formal platform will have their own audit mechanism, and it is still necessary to decide whether to accept your application through the information and data you provide, so this way only brings you into their door. Success depends on your own efforts. In other words, just like the advertisements of loan companies, borrowers borrow from their platforms in this way, which is closer and more attractive, so if they are ruthlessly rejected, try another institution.

2. Improve information and improve the pass rate.

If you are really short of money and are interested in this lending institution, then we need to improve our materials and reduce the possibility of rejection. First of all, about ID card, ID card is the most basic way to prove a person's identity, so the uploaded photos must be clear enough. If you are vague or simply take someone else's ID card, it is reasonable to be rejected. Secondly, the longer the mobile phone number with real-name authentication is used, the better, and the less the number of arrears, the safer it is; And an auxiliary account. Many lending platforms will require lenders to provide accounts such as Taobao and Alipay or other reference auxiliary application materials. If recorded well and used frequently, the pass rate will be improved. Otherwise, it may be rejected. Finally, the work unit, of course, it is best for the work unit to be an institution. You must ensure that the information you need to fill in is true, so that the lending institution can feel your sincerity.

Finally, if you are short of money, you can choose more lending platforms and compare their application conditions. Some newly opened online lending platforms have relatively low requirements. Try more, there will always be something suitable for you, accept you, and ensure timely repayment.