However, the unqualified qualification is that the loan cannot be made at present. As long as the problem is found out, it can be improved and remedied later, and the pass rate of borrowing money next time will be higher. Generally speaking, there are several reasons:
1. Bad credit status: Many loan platforms are connected to the credit information system, and the borrower's credit report will be checked when approving the loan. If records such as overdue and bad debts are found, it will affect the evaluation of the borrower's qualification. If the borrower's credit information is overdue for a period of time before borrowing, it will not be borrowed for a while after three years.
2. Unreal and imperfect information: It is easy to gain the trust of the loan platform by providing real and effective information to the borrower, but if the information provided is untrue and imperfect, it will also make the qualification unqualified. Therefore, the borrower should honestly fill in his true personal information, which can be properly packaged from the aspects of position, income and working years, but it cannot be excessive.
3. High frequency of handling loan cards: I will apply for multiple loan platforms and handle credit cards in multiple banks in a short time. Too frequent application operations will also affect your personal qualifications, indicating that the borrower's risk coefficient is high. It is recommended to control the frequency of application, whether it is a loan or a credit card, no more than three times a month and no more than six times a month.