Because micro-credit will score the borrower's comprehensive credit from time to time, if the comprehensive score after repayment does not meet the loan conditions, then you will lose the qualification to apply again. Generally speaking, the comprehensive score will refer to everyone's personal credit record, past loan record, repayment ability and so on. Therefore, everyone's micro-loan will not be loaned after repayment. There may be these reasons:
1, everyone's personal credit record has a very serious negative record, such as serious overdue mortgage and car loan, overdue credit card bill, and so on;
2. Although everyone paid off the small loan arrears, they were all paid off after the deadline, and the overdue time was not short;
Everyone has increased a lot of debts, such as buying a house with a loan, buying a car and so on. Or there is obvious information that everyone has a lot of debts;
4. Being sued by others, being included in the list of untrustworthy people by the court, and becoming the "Lao Lai" shouted by everyone;
5. There have been some behaviors that have been identified as abnormal accounts by micro-loans.
In most cases, small loans will not stop after repayment unless there are serious problems. So once you encounter such a situation, you should get in touch with the customer service staff of micro-loan at the first time to understand the specific reasons. Common solutions are as follows:
1. If your credit is seriously damaged, you should pay off all debts as soon as possible, and then gradually restore your credit through credit card consumption;
2. If you have problems with your own repayment ability, then when everyone's income increases and their liabilities decrease, the amount of small loans will be restored.
In addition, when using WeChat and QQ, we should pay attention to regulating our own behavior and avoid illegal or irregular behaviors.