It has nothing to do with whether it is the end of the month. There are three reasons why the turnover quota of bank loans cannot be borrowed: First, the loan quota is insufficient: bank loans have a certain relationship with policies. Once the user tightens the loan policy, the loan amount may be insufficient. The sources of funds of banks are not stable enough, such as mortgage, consumer loan and mortgage loan. If the funds come from a third party or the deposits are insufficient, there may be so-called "freezing" caused by unstable funds. At this point, you don't have to worry. After waiting for a period of time, naturally thaw and restore.

Second, the freeze caused by the change of credit information: banks attach great importance to risk assessment and will continue to conduct post-loan management to check the credit information of users. If the user has an abnormal situation beyond the bank's requirements, such as overdue credit reporting and high debt, the bank or the employer may temporarily freeze its turnover quota for risk reasons.

Third, the time limit of the line: everyone needs to pay attention to the time limit of the rotating line when using it. The average bank will only give it a period of time, such as one year or half a year. Once the product expires, if you want to use it again, you need to submit an application again. At that time, banks will re-examine their qualifications and reputation and evaluate whether to grant quotas. Many credit loans are aimed at phased demand scenarios. Therefore, after the expiration of the contract, the demand scenario does not exist, and naturally no credit will be granted.