1. Recently, the customer failed to repay the credit products under his name on time within the specified time limit, which led to overdue situation, damaged personal credit, and the system frozen the line.
2. Within the loanable amount of the account in 500 yuan, there are provisions for Meituan to borrow money. The minimum loan amount is 500 yuan (for example, the lender shows that Chongqing Meituan Sankuai, Jilin Yilian Bank, and the minimum loan amount is 600 yuan).
3. Due to the frequent borrowing in recent days, there has been a situation of long-term borrowing, and many loans under the name have not been paid off, and the personal debt ratio has risen quite high. Therefore, the system is worried that the customer's repayment ability is insufficient.
4. The authentication identity information has expired, or the account information has been frequently modified (changing bank cards, changing mobile phone numbers, etc.). ), and the device login has been changed all the time, which leads to great risk in the account and has been realized by the system.
5. The platform has limited the daily loan amount. When the customer applies for a loan, the daily loan amount has been paid out.
Extended data:
Meituan loan refers to the living expenses of Meituan. Meituan users need credit authorization to apply for living expenses. Meituan will decide whether to lend money according to the user's credit information. After the user successfully applies for a loan, the loan records and repayment records will also be uploaded to the credit information system, so Meituan Loan is based on credit information.
If the borrower fails to repay the loan on time and is overdue, Meituan will upload the overdue situation to the credit report, and the borrower's personal credit report will leave a bad record. After the debt is paid off, the bad records will be automatically eliminated after 5 years.
Customers apply for loans from Meituan Loan. After the system is approved, they usually get loans on the same day, and most of them arrive within 2 hours. If the speed is fast, it will take about 5 minutes to arrive. Of course, the premise is that customers apply for loans during working hours on weekdays.
However, if the customer applies for a loan after 18 pm, the loan may be delayed, and it is estimated that it will not arrive until the next morning.
In short, customers should wait patiently after submitting loan applications. If the loan arrives, the Meituan loan platform system will naturally send a message to inform the customer.
If Meituan borrows money for many days (three or four days, or even more than a week), it is recommended that customers call the customer service phone of Meituan loan platform to see what is going on. Is it because the loan amount is tight recently, so you are still waiting in line? Or the loan failed to pass the re-inspection before lending and has been rejected.
Yesterday morning, the Municipal Civilization Office and the Municipal Credit Office jointly held the eighth press conference on the "Red and Black List"